Mulhall, OK
How exposed is Mulhall to wildfire?
Out of every US place USFS scores, Mulhall lands at the 89th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 183 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Mulhall at the 90th national percentile — 1 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
USFS puts 51.9% of Mulhall's 183 buildings in the Indirect exposure zone, versus 48.1% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Mulhall against the rest of the country
Mulhall's 89th national percentile looks worse in isolation than its 42nd ranking inside Oklahoma does — this place is on the milder end for its own state, by 47 points. Among the 31,521 US communities USFS scores, Mulhall ranks 3,598 for wildfire risk (1 is highest) and 25,510 by building count (1 is largest). Within Oklahoma alone, it ranks 487 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Mulhall and the insurance market
At the 89th percentile nationally, Mulhall 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Mulhall (51.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 183 counted buildings into the percentiles shown above for Mulhall. For more on what indirect exposure implies beyond Mulhall, see the exposure-zones guide.