Mutual, OK
Mutual wildfire risk explained
USFS's Wildfire Risk to Communities model puts Mutual at the 72nd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 87 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Mutual's burn probability — fire likelihood with no building count factored in — sits at the 67th percentile nationally.
Where Mutual's buildings actually sit
Mutual rates 62.1% Minimal exposure against just 37.9% Direct and 0% Indirect — of 87 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Mutual compares
Inside Oklahoma, Mutual sits at just the 11th percentile even though it scores 72nd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Mutual ranks 8,799 for wildfire risk (1 is highest) and 29,629 by building count (1 is largest). Within Oklahoma alone, it ranks 739 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 72nd percentile nationally, Mutual 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.
Lowering exposure, not just insuring around it
With 62.1% of buildings rated Minimal exposure, Mutual gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Mutual's figures come from
The methodology guide shows exactly how USFS turned 87 counted buildings into the percentiles shown above for Mutual. The exposure-zones guide covers what Mutual's dominant minimal exposure actually means, with real examples from across the dataset.