Panama, OK
Panama, OK's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Panama at the 94th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 935 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Panama at the 97th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Panama's building exposure, zone by zone
Of Panama's 935 counted buildings, 50.9% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Panama compares
Panama's 94th national percentile looks worse in isolation than its 75th ranking inside Oklahoma does — this place is on the milder end for its own state, by 19 points. Among the 31,521 US communities USFS scores, Panama ranks 1,768 for wildfire risk (1 is highest) and 12,429 by building count (1 is largest). Within Oklahoma alone, it ranks 209 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
At the 94th percentile nationally, Panama 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
Panama's 50.9% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Panama's 1,768-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Panama, see the exposure-zones guide.