Stuart, OK
Stuart wildfire risk explained
Stuart sits at the 97th 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 159 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 Stuart at the 98th percentile, close to its 97th-percentile risk score.
Where Stuart's buildings actually sit
159 buildings are counted in Stuart, and 55.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Stuart compares
There's little gap between Stuart's 97th national percentile and its 92nd percentile inside Oklahoma, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Stuart ranks 1,015 for wildfire risk (1 is highest) and 26,494 by building count (1 is largest). Within Oklahoma alone, it ranks 70 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Stuart
Stuart's 97th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
With 55.4% of Stuart in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Stuart's figures come from
The methodology guide shows exactly how USFS turned 159 counted buildings into the percentiles shown above for Stuart. The exposure-zones guide covers what Stuart's dominant direct exposure actually means, with real examples from across the dataset.