Simms, OK
Simms wildfire risk explained
Out of every US place USFS scores, Simms lands at the 95th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 287 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 Simms at the 97th percentile, close to its 95th-percentile risk score.
Simms's building exposure, zone by zone
287 buildings are counted in Simms, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Simms ranks
Simms's 95th national percentile looks worse in isolation than its 79th ranking inside Oklahoma does — this place is on the milder end for its own state, by 16 points. Among the 31,521 US communities USFS scores, Simms ranks 1,584 for wildfire risk (1 is highest) and 21,991 by building count (1 is largest). Within Oklahoma alone, it ranks 176 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
Simms's very high rating (95th 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.
Lowering exposure, not just insuring around it
With 100% of Simms 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
Simms's 95th-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 Simms, see the exposure-zones guide.