McLoud, OK
McLoud wildfire risk explained
Out of every US place USFS scores, McLoud lands at the 85th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 2,018 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks McLoud at the 86th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
McLoud's building exposure, zone by zone
2,018 buildings are counted in McLoud, and 69.2% 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.
McLoud against the rest of the country
McLoud ranks lower within Oklahoma (31st percentile statewide) than its 85th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, McLoud ranks 4,826 for wildfire risk (1 is highest) and 7,424 by building count (1 is largest). Within Oklahoma alone, it ranks 573 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
McLoud and the insurance market
At the 85th percentile nationally, McLoud 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.
What would actually reduce this score
McLoud's 69.2% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where McLoud's figures come from
McLoud's 85th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what McLoud's dominant direct exposure actually means, with real examples from across the dataset.