Pawhuska, OK
Pawhuska wildfire risk explained
USFS scores Pawhuska at the 96th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 2,422 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 Pawhuska at the 98th percentile, close to its 96th-percentile risk score.
Where Pawhuska's buildings actually sit
Indirect exposure is dominant in Pawhuska (59.4% of 2,422 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 28.2% sit in the Direct zone.
Pawhuska against the rest of the country
Pawhuska scores 96th nationally and 87th 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, Pawhuska ranks 1,241 for wildfire risk (1 is highest) and 6,459 by building count (1 is largest). Within Oklahoma alone, it ranks 112 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
Pawhuska's very high rating (96th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
With ember exposure the dominant pattern in Pawhuska (59.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Pawhuska's 1,241-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Pawhuska, see the exposure-zones guide.