Norman, OK
Norman, OK's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Norman at the 81st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 47,893 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Norman at the 82nd 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
49.2% of Norman's 47,893 buildings sit in USFS's Minimal exposure zone, with only 25.7% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 47,893 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Norman against the rest of the country
Norman ranks lower within Oklahoma (22nd percentile statewide) than its 81st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Norman ranks 6,026 for wildfire risk (1 is highest) and 186 by building count (1 is largest). Within Oklahoma alone, it ranks 651 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Norman and the insurance market
Norman's 81st-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Even with 49.2% of Norman outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 47,893 counted buildings into the percentiles shown above for Norman. For more on what minimal exposure implies beyond Norman, see the exposure-zones guide.