Putnam, OK
Putnam wildfire risk explained
Putnam's 60 buildings earn a 76th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Putnam at the 73rd percentile, close to its 76th-percentile risk score.
Where Putnam's buildings actually sit
78.3% of Putnam's 60 buildings sit in USFS's Minimal exposure zone, with only 20% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Putnam against the rest of the country
Putnam's 76th national percentile looks worse in isolation than its 15th ranking inside Oklahoma does — this place is on the milder end for its own state, by 61 points. Among the 31,521 US communities USFS scores, Putnam ranks 7,667 for wildfire risk (1 is highest) and 30,659 by building count (1 is largest). Within Oklahoma alone, it ranks 709 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
Putnam's 76th-percentile, 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
With 78.3% of buildings rated Minimal exposure, Putnam gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Putnam's 76th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Putnam, see the exposure-zones guide.