Pin Oak Acres, OK
Pin Oak Acres, OK's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Pin Oak Acres lands at the 87th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 262 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Pin Oak Acres at the 89th percentile, close to its 87th-percentile risk score.
Where Pin Oak Acres's buildings actually sit
Of Pin Oak Acres's 262 counted buildings, 99.6% carry Direct exposure and only 0.4% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Pin Oak Acres compares
Pin Oak Acres's 87th national percentile looks worse in isolation than its 37th ranking inside Oklahoma does — this place is on the milder end for its own state, by 50 points. Among the 31,521 US communities USFS scores, Pin Oak Acres ranks 4,013 for wildfire risk (1 is highest) and 22,783 by building count (1 is largest). Within Oklahoma alone, it ranks 524 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
Pin Oak Acres's 87th-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.
What would actually reduce this score
Because Direct exposure dominates in Pin Oak Acres (99.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Pin Oak Acres's figures come from
Every one of the two percentiles behind Pin Oak Acres's 4,013-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Pin Oak Acres's dominant direct exposure actually means, with real examples from across the dataset.