Mill Creek, OK
Mill Creek, OK's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Mill Creek lands at the 91st percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 211 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Mill Creek's burn probability — fire likelihood with no building count factored in — sits at the 93rd percentile nationally.
Where Mill Creek's buildings actually sit
64.5% of Mill Creek's 211 buildings sit in USFS's Direct exposure zone, roughly 136 structures close enough to burnable vegetation for flame contact, not just embers — 35.6% fall in the Indirect, ember-only zone and 0% are Minimal.
How Mill Creek compares
Mill Creek ranks lower within Oklahoma (53rd percentile statewide) than its 91st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Mill Creek ranks 2,839 for wildfire risk (1 is highest) and 24,451 by building count (1 is largest). Within Oklahoma alone, it ranks 395 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 91st percentile nationally, Mill Creek 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
With 64.5% of Mill Creek in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Mill Creek's figures come from
Every one of the two percentiles behind Mill Creek's 2,839-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Mill Creek's dominant direct exposure actually means, with real examples from across the dataset.