Luther, OK
Luther wildfire risk explained
Luther's 1,050 buildings earn a 84th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Luther's burn probability — fire likelihood with no building count factored in — sits at the 85th percentile nationally.
Luther's building exposure, zone by zone
75.4% of Luther's 1,050 buildings sit in USFS's Direct exposure zone, roughly 792 structures close enough to burnable vegetation for flame contact, not just embers — 24.6% fall in the Indirect, ember-only zone and 0% are Minimal.
Luther against the rest of the country
Inside Oklahoma, Luther sits at just the 29th percentile even though it scores 84th 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, Luther ranks 5,173 for wildfire risk (1 is highest) and 11,596 by building count (1 is largest). Within Oklahoma alone, it ranks 594 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Luther and the insurance market
At the 84th percentile nationally, Luther 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
Because Direct exposure dominates in Luther (75.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Luther's figures come from
The methodology guide shows exactly how USFS turned 1,050 counted buildings into the percentiles shown above for Luther. The exposure-zones guide covers what Luther's dominant direct exposure actually means, with real examples from across the dataset.