Miami, OK
Miami wildfire risk explained
Miami sits at the 69th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 6,819 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Miami's burn probability — fire likelihood with no building count factored in — sits at the 71st percentile nationally.
What "at risk" means for the buildings here
USFS puts 72.4% of Miami's 6,819 buildings in the Indirect exposure zone, versus 11.5% Direct and 16.1% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 6,819 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Miami compares
Miami's 69th national percentile looks worse in isolation than its 11th ranking inside Oklahoma does — this place is on the milder end for its own state, by 59 points. Among the 31,521 US communities USFS scores, Miami ranks 9,710 for wildfire risk (1 is highest) and 2,538 by building count (1 is largest). Within Oklahoma alone, it ranks 746 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Miami
At the 69th percentile nationally, Miami carries the 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.
Hardening a home in Miami
Because 72.4% of Miami's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 6,819 counted buildings into the percentiles shown above for Miami. For more on what indirect exposure implies beyond Miami, see the exposure-zones guide.