Talihina, OK
Talihina, OK's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Talihina at the 97th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 781 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Talihina at the 98th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS puts 67.4% of Talihina's 781 buildings in the Indirect exposure zone, versus 32.7% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Talihina ranks
Talihina scores 97th nationally and 90th within Oklahoma — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Talihina ranks 1,082 for wildfire risk (1 is highest) and 13,807 by building count (1 is largest). Within Oklahoma alone, it ranks 83 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
At the 97th percentile nationally, Talihina 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
Talihina's 67.4% 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.
More on how this number was built
Every one of the two percentiles behind Talihina's 1,082-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Talihina, see the exposure-zones guide.