Panola, OK
Panola, OK's wildfire risk, in USFS's own numbers
Panola's 104 buildings earn a 97th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Panola at the 99th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Of Panola's 104 counted buildings, 100% 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.
Where Panola ranks
Panola scores 97th nationally and 95th within Oklahoma — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Panola ranks 829 for wildfire risk (1 is highest) and 28,861 by building count (1 is largest). Within Oklahoma alone, it ranks 43 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Panola and the insurance market
At the 97th percentile nationally, Panola 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.
What would actually reduce this score
Panola's 100% 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.
Where Panola's figures come from
Every one of the two percentiles behind Panola's 829-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Panola's dominant direct exposure actually means, with real examples from across the dataset.