Pensacola, OK
Pensacola wildfire risk explained
Pensacola's 64 buildings earn a 89th-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 Pensacola at the 91st national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Pensacola's building exposure, zone by zone
Direct exposure dominates in Pensacola: 85.9% of its 64 buildings, versus 14.1% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Pensacola against the rest of the country
Pensacola ranks lower within Oklahoma (41st percentile statewide) than its 89th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Pensacola ranks 3,629 for wildfire risk (1 is highest) and 30,521 by building count (1 is largest). Within Oklahoma alone, it ranks 489 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 89th percentile nationally, Pensacola 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.
Hardening a home in Pensacola
Pensacola's 85.9% 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
The methodology guide shows exactly how USFS turned 64 counted buildings into the percentiles shown above for Pensacola. For more on what direct exposure implies beyond Pensacola, see the exposure-zones guide.