Schulter, OK
Schulter, OK's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Schulter at the 97th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 422 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Schulter's burn probability — fire likelihood with no building count factored in — sits at the 98th percentile nationally.
Schulter's building exposure, zone by zone
81.3% of Schulter's 422 buildings sit in USFS's Direct exposure zone, roughly 343 structures close enough to burnable vegetation for flame contact, not just embers — 18.7% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Schulter ranks
There's little gap between Schulter's 97th national percentile and its 95th percentile inside Oklahoma, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Schulter ranks 890 for wildfire risk (1 is highest) and 18,792 by building count (1 is largest). Within Oklahoma alone, it ranks 47 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Schulter
Schulter's very high rating (97th 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 81.3% of Schulter 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
The methodology guide shows exactly how USFS turned 422 counted buildings into the percentiles shown above for Schulter. For more on what direct exposure implies beyond Schulter, see the exposure-zones guide.