Mallard Bay, OK
How exposed is Mallard Bay to wildfire?
Mallard Bay's 229 buildings earn a 91st-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mallard Bay at the 93rd percentile, close to its 91st-percentile risk score.
Mallard Bay's building exposure, zone by zone
96.9% of Mallard Bay's 229 buildings sit in USFS's Direct exposure zone, roughly 222 structures close enough to burnable vegetation for flame contact, not just embers — 3.1% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Mallard Bay ranks
Mallard Bay's 91st national percentile looks worse in isolation than its 53rd ranking inside Oklahoma does — this place is on the milder end for its own state, by 39 points. Among the 31,521 US communities USFS scores, Mallard Bay ranks 2,838 for wildfire risk (1 is highest) and 23,832 by building count (1 is largest). Within Oklahoma alone, it ranks 394 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Mallard Bay
Mallard Bay's very high rating (91st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Mallard Bay
With 96.9% of Mallard Bay 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.
Where Mallard Bay's figures come from
Every one of the two percentiles behind Mallard Bay's 2,838-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Mallard Bay's dominant direct exposure actually means, with real examples from across the dataset.