Stroud, OK
How exposed is Stroud to wildfire?
Stroud 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 1,936 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 Stroud at the 96th percentile, close to its 95th-percentile risk score.
Where Stroud's buildings actually sit
USFS puts 45.6% of Stroud's 1,936 buildings in the Indirect exposure zone, versus 41% Direct and 13.4% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Stroud compares
Inside Oklahoma, Stroud sits at just the 79th percentile even though it scores 95th 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, Stroud ranks 1,553 for wildfire risk (1 is highest) and 7,659 by building count (1 is largest). Within Oklahoma alone, it ranks 173 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
Stroud's very high rating (95th 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.
Hardening a home in Stroud
Because 45.6% of Stroud'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.
More on how this number was built
Stroud's 95th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Stroud, see the exposure-zones guide.