Optima, OK
Optima, OK's wildfire risk, in USFS's own numbers
USFS scores Optima at the 96th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 217 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Optima at the 97th percentile, close to its 96th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 63.1% of Optima's buildings as Direct exposure, higher than its 36.9% Indirect share and far above its 0% Minimal share — a profile where 137 structures sit close enough to vegetation that lot clearing matters most.
Optima against the rest of the country
There's little gap between Optima's 96th national percentile and its 89th percentile inside Oklahoma, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Optima ranks 1,139 for wildfire risk (1 is highest) and 24,242 by building count (1 is largest). Within Oklahoma alone, it ranks 96 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
Optima'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.
Hardening a home in Optima
With 63.1% of Optima 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.
Where Optima's figures come from
The methodology guide shows exactly how USFS turned 217 counted buildings into the percentiles shown above for Optima. The exposure-zones guide covers what Optima's dominant direct exposure actually means, with real examples from across the dataset.