Lovell, OK
Lovell wildfire risk explained
USFS scores Lovell at the 88th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 30 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lovell at the 89th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
30 buildings are counted in Lovell, and 86.7% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Lovell against the rest of the country
Inside Oklahoma, Lovell sits at just the 40th percentile even though it scores 88th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Lovell ranks 3,757 for wildfire risk (1 is highest) and 31,363 by building count (1 is largest). Within Oklahoma alone, it ranks 499 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
What this risk score means for insurance
At the 88th percentile nationally, Lovell carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
With 86.7% of Lovell in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 30 counted buildings into the percentiles shown above for Lovell. For more on what direct exposure implies beyond Lovell, see the exposure-zones guide.