North Miami, OK
North Miami wildfire risk explained
Out of every US place USFS scores, North Miami lands at the 60th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 259 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, North Miami's burn probability — fire likelihood with no building count factored in — sits at the 62nd percentile nationally.
North Miami's building exposure, zone by zone
USFS puts 97.7% of North Miami's 259 buildings in the Indirect exposure zone, versus 2.3% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where North Miami ranks
Inside Oklahoma, North Miami sits at just the 8th percentile even though it scores 60th 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, North Miami ranks 12,616 for wildfire risk (1 is highest) and 22,864 by building count (1 is largest). Within Oklahoma alone, it ranks 765 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
North Miami and the insurance market
North Miami's elevated rating (60th 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 ember exposure the dominant pattern in North Miami (97.7% 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 259 counted buildings into the percentiles shown above for North Miami. For more on what indirect exposure implies beyond North Miami, see the exposure-zones guide.