Sportmans Shores, OK
Sportmans Shores wildfire risk explained
Sportmans Shores sits at the 88th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 152 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Sportmans Shores at the 91st percentile, close to its 88th-percentile risk score.
Sportmans Shores's building exposure, zone by zone
152 buildings are counted in Sportmans Shores, and 86.8% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 2% rated Minimal.
Sportmans Shores against the rest of the country
Sportmans Shores's 88th national percentile looks worse in isolation than its 40th ranking inside Oklahoma does — this place is on the milder end for its own state, by 48 points. Among the 31,521 US communities USFS scores, Sportmans Shores ranks 3,793 for wildfire risk (1 is highest) and 26,819 by building count (1 is largest). Within Oklahoma alone, it ranks 502 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
Sportmans Shores's very high rating (88th 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
Sportmans Shores's 86.8% 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 Sportmans Shores's figures come from
The methodology guide shows exactly how USFS turned 152 counted buildings into the percentiles shown above for Sportmans Shores. The exposure-zones guide covers what Sportmans Shores's dominant direct exposure actually means, with real examples from across the dataset.