Nardin, OK
How exposed is Nardin to wildfire?
Nardin sits at the 38th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 93 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Nardin at the 30th percentile, close to its 38th-percentile risk score.
Nardin's building exposure, zone by zone
Only 28% of Nardin's 93 buildings carry Direct exposure and 0% carry Indirect; the remaining 72% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Nardin ranks
Nardin ranks lower within Oklahoma (2nd percentile statewide) than its 38th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Nardin ranks 19,547 for wildfire risk (1 is highest) and 29,372 by building count (1 is largest). Within Oklahoma alone, it ranks 816 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
Nardin's moderate rating (38th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 72% of buildings rated Minimal exposure, Nardin gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 93 counted buildings into the percentiles shown above for Nardin. For more on what minimal exposure implies beyond Nardin, see the exposure-zones guide.