Maramec, OK
Maramec wildfire risk explained
Out of every US place USFS scores, Maramec lands at the 96th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 123 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Maramec's burn probability — fire likelihood with no building count factored in — sits at the 97th percentile nationally.
Where Maramec's buildings actually sit
71.5% of Maramec's 123 buildings sit in USFS's Direct exposure zone, roughly 88 structures close enough to burnable vegetation for flame contact, not just embers — 28.5% fall in the Indirect, ember-only zone and 0% are Minimal.
How Maramec compares
There's little gap between Maramec's 96th national percentile and its 88th percentile inside Oklahoma, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Maramec ranks 1,203 for wildfire risk (1 is highest) and 28,030 by building count (1 is largest). Within Oklahoma alone, it ranks 104 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
Maramec's 96th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Because Direct exposure dominates in Maramec (71.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Maramec's 1,203-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Maramec, see the exposure-zones guide.