McCord, OK
How exposed is McCord to wildfire?
McCord's 1,269 buildings earn a 95th-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 McCord at the 95th percentile, close to its 95th-percentile risk score.
What "at risk" means for the buildings here
72.1% of McCord's 1,269 buildings sit in USFS's Direct exposure zone, roughly 915 structures close enough to burnable vegetation for flame contact, not just embers — 27.9% fall in the Indirect, ember-only zone and 0% are Minimal.
Where McCord ranks
McCord's risk sits at a similar level relative to Oklahoma (81st percentile statewide) as it does nationally (95th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, McCord ranks 1,452 for wildfire risk (1 is highest) and 10,252 by building count (1 is largest). Within Oklahoma alone, it ranks 154 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
McCord's 95th-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.
Hardening a home in McCord
Because Direct exposure dominates in McCord (72.1%), 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
McCord's 95th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond McCord, see the exposure-zones guide.