Stilwell, OK
Stilwell wildfire risk explained
USFS scores Stilwell at the 94th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,919 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Stilwell at the 96th percentile, close to its 94th-percentile risk score.
Stilwell's building exposure, zone by zone
Most of Stilwell's buildings (61.5%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Stilwell compares
Stilwell ranks lower within Oklahoma (69th percentile statewide) than its 94th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Stilwell ranks 2,025 for wildfire risk (1 is highest) and 7,712 by building count (1 is largest). Within Oklahoma alone, it ranks 261 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
Stilwell'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.
What would actually reduce this score
With ember exposure the dominant pattern in Stilwell (61.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Stilwell's figures come from
Stilwell'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 Stilwell's dominant indirect exposure actually means, with real examples from across the dataset.