Stillwater, OK
How exposed is Stillwater to wildfire?
USFS scores Stillwater at the 88th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 16,942 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Stillwater's burn probability — fire likelihood with no building count factored in — sits at the 89th percentile nationally.
Stillwater's building exposure, zone by zone
59.3% of Stillwater's 16,942 buildings sit in USFS's Minimal exposure zone, with only 17.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 16,942 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Stillwater ranks
Inside Oklahoma, Stillwater sits at just the 39th 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, Stillwater ranks 3,912 for wildfire risk (1 is highest) and 854 by building count (1 is largest). Within Oklahoma alone, it ranks 513 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Stillwater
At the 88th percentile nationally, Stillwater 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 Stillwater
Even with 59.3% of Stillwater outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Stillwater's 3,912-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Stillwater, see the exposure-zones guide.