Olive, OK
Olive wildfire risk explained
Olive sits at the 96th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 120 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Olive's burn probability — fire likelihood with no building count factored in — sits at the 98th percentile nationally.
Olive's building exposure, zone by zone
95.8% of Olive's 120 buildings sit in USFS's Direct exposure zone, roughly 115 structures close enough to burnable vegetation for flame contact, not just embers — 4.2% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Olive ranks
Olive's risk sits at a similar level relative to Oklahoma (89th percentile statewide) as it does nationally (96th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Olive ranks 1,138 for wildfire risk (1 is highest) and 28,164 by building count (1 is largest). Within Oklahoma alone, it ranks 95 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
Olive's 96th-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.
What would actually reduce this score
With 95.8% of Olive in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Olive's 96th-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 Olive, see the exposure-zones guide.