Smithville, OK
Smithville wildfire risk explained
USFS scores Smithville at the 88th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 161 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Smithville's burn probability — fire likelihood with no building count factored in — sits at the 91st percentile nationally.
Smithville's building exposure, zone by zone
88.2% of Smithville's 161 buildings sit in USFS's Direct exposure zone, roughly 142 structures close enough to burnable vegetation for flame contact, not just embers — 11.8% fall in the Indirect, ember-only zone and 0% are Minimal.
How Smithville compares
Inside Oklahoma, Smithville sits at just the 40th percentile even though it scores 88th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Smithville ranks 3,854 for wildfire risk (1 is highest) and 26,401 by building count (1 is largest). Within Oklahoma alone, it ranks 506 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Smithville
At the 88th percentile nationally, Smithville 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.
Hardening a home in Smithville
Smithville's 88.2% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Smithville's figures come from
Smithville's 88th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Smithville's dominant direct exposure actually means, with real examples from across the dataset.