Stratford, OK
Stratford, OK's wildfire risk, in USFS's own numbers
Stratford sits at the 95th 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 946 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Stratford's burn probability — fire likelihood with no building count factored in — sits at the 96th percentile nationally.
Stratford's building exposure, zone by zone
79.5% of Stratford's 946 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 20.5% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Stratford ranks
Stratford's risk sits at a similar level relative to Oklahoma (82nd percentile statewide) as it does nationally (95th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Stratford ranks 1,453 for wildfire risk (1 is highest) and 12,334 by building count (1 is largest). Within Oklahoma alone, it ranks 155 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Stratford
At the 95th percentile nationally, Stratford 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.
Lowering exposure, not just insuring around it
Stratford's 79.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Stratford's figures come from
The methodology guide shows exactly how USFS turned 946 counted buildings into the percentiles shown above for Stratford. The exposure-zones guide covers what Stratford's dominant indirect exposure actually means, with real examples from across the dataset.