Spiro, OK
Spiro wildfire risk explained
Spiro's 1,314 buildings earn a 94th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Spiro at the 96th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Spiro's buildings actually sit
55.4% of Spiro's 1,314 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 44.6% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Spiro against the rest of the country
Spiro's 94th national percentile looks worse in isolation than its 69th ranking inside Oklahoma does — this place is on the milder end for its own state, by 25 points. Among the 31,521 US communities USFS scores, Spiro ranks 2,055 for wildfire risk (1 is highest) and 9,998 by building count (1 is largest). Within Oklahoma alone, it ranks 266 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Spiro and the insurance market
Spiro's very high rating (94th 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
Because 55.4% of Spiro's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Spiro's figures come from
Spiro's 94th-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 Spiro's dominant indirect exposure actually means, with real examples from across the dataset.