Milburn, OK
Milburn wildfire risk explained
Out of every US place USFS scores, Milburn lands at the 84th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 196 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Milburn at the 86th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
196 buildings are counted in Milburn, and 80.6% 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.
Where Milburn ranks
Milburn ranks lower within Oklahoma (29th percentile statewide) than its 84th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Milburn ranks 5,174 for wildfire risk (1 is highest) and 25,011 by building count (1 is largest). Within Oklahoma alone, it ranks 595 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
At the 84th percentile nationally, Milburn 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
Because Direct exposure dominates in Milburn (80.6%), 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
Milburn's 84th-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 Milburn, see the exposure-zones guide.