Tatums, OK
Tatums wildfire risk explained
Tatums sits at the 89th 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 131 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Tatums's burn probability — fire likelihood with no building count factored in — sits at the 90th percentile nationally.
Tatums's building exposure, zone by zone
93.9% of Tatums's 131 buildings sit in USFS's Direct exposure zone, roughly 123 structures close enough to burnable vegetation for flame contact, not just embers — 6.1% fall in the Indirect, ember-only zone and 0% are Minimal.
How Tatums compares
Tatums ranks lower within Oklahoma (45th percentile statewide) than its 89th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Tatums ranks 3,383 for wildfire risk (1 is highest) and 27,687 by building count (1 is largest). Within Oklahoma alone, it ranks 465 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Tatums
Tatums's very high rating (89th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Tatums (93.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 131 counted buildings into the percentiles shown above for Tatums. For more on what direct exposure implies beyond Tatums, see the exposure-zones guide.