Oakhurst, OK
Oakhurst wildfire risk explained
USFS's Wildfire Risk to Communities model puts Oakhurst at the 84th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 2,270 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oakhurst's burn probability — fire likelihood with no building count factored in — sits at the 87th percentile nationally.
Oakhurst's building exposure, zone by zone
52.6% of Oakhurst's 2,270 buildings sit in USFS's Direct exposure zone, roughly 1,193 structures close enough to burnable vegetation for flame contact, not just embers — 16.6% fall in the Indirect, ember-only zone and 30.9% are Minimal.
Oakhurst against the rest of the country
Inside Oklahoma, Oakhurst sits at just the 30th percentile even though it scores 84th 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, Oakhurst ranks 4,958 for wildfire risk (1 is highest) and 6,771 by building count (1 is largest). Within Oklahoma alone, it ranks 584 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Oakhurst and the insurance market
At the 84th percentile nationally, Oakhurst 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
Because Direct exposure dominates in Oakhurst (52.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Oakhurst's 84th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Oakhurst, see the exposure-zones guide.