Spencer, OK
Spencer wildfire risk explained
Spencer's 2,480 buildings earn a 77th-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 Spencer at the 77th percentile, close to its 77th-percentile risk score.
Spencer's building exposure, zone by zone
55.7% of Spencer's 2,480 buildings sit in USFS's Direct exposure zone, roughly 1,382 structures close enough to burnable vegetation for flame contact, not just embers — 1.1% fall in the Indirect, ember-only zone and 43.2% are Minimal.
Where Spencer ranks
Spencer ranks lower within Oklahoma (16th percentile statewide) than its 77th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Spencer ranks 7,132 for wildfire risk (1 is highest) and 6,337 by building count (1 is largest). Within Oklahoma alone, it ranks 700 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Spencer
Spencer's 77th-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 55.7% of Spencer 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.
Where Spencer's figures come from
Spencer's 77th-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 Spencer's dominant direct exposure actually means, with real examples from across the dataset.