Pontotoc, OK
How exposed is Pontotoc to wildfire?
Out of every US place USFS scores, Pontotoc lands at the 96th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 93 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Pontotoc's burn probability — fire likelihood with no building count factored in — sits at the 97th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Pontotoc: 100% of its 93 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Pontotoc against the rest of the country
There's little gap between Pontotoc's 96th national percentile and its 84th percentile inside Oklahoma, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Pontotoc ranks 1,363 for wildfire risk (1 is highest) and 29,373 by building count (1 is largest). Within Oklahoma alone, it ranks 138 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Pontotoc and the insurance market
At the 96th percentile nationally, Pontotoc 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
With 100% of Pontotoc in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Pontotoc's 96th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Pontotoc, see the exposure-zones guide.