Talala, OK
How exposed is Talala to wildfire?
Talala's 198 buildings earn a 82nd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Talala at the 83rd percentile, close to its 82nd-percentile risk score.
Talala's building exposure, zone by zone
73.7% of Talala's 198 buildings sit in USFS's Direct exposure zone, roughly 146 structures close enough to burnable vegetation for flame contact, not just embers — 26.3% fall in the Indirect, ember-only zone and 0% are Minimal.
Talala against the rest of the country
Talala ranks lower within Oklahoma (25th percentile statewide) than its 82nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Talala ranks 5,709 for wildfire risk (1 is highest) and 24,938 by building count (1 is largest). Within Oklahoma alone, it ranks 623 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Talala and the insurance market
Talala's 82nd-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
Talala's 73.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Talala's figures come from
Talala's 82nd-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 Talala's dominant direct exposure actually means, with real examples from across the dataset.