Thomas, OK
Thomas wildfire risk explained
USFS scores Thomas at the 64th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 936 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Thomas at the 61st percentile, close to its 64th-percentile risk score.
What "at risk" means for the buildings here
Most of Thomas's buildings (88.9%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Thomas ranks
Thomas's 64th national percentile looks worse in isolation than its 10th ranking inside Oklahoma does — this place is on the milder end for its own state, by 55 points. Among the 31,521 US communities USFS scores, Thomas ranks 11,255 for wildfire risk (1 is highest) and 12,423 by building count (1 is largest). Within Oklahoma alone, it ranks 753 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Thomas and the insurance market
At the 64th percentile nationally, Thomas carries the 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.
What would actually reduce this score
Because 88.9% of Thomas'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.
Where Thomas's figures come from
Every one of the two percentiles behind Thomas's 11,255-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Thomas's dominant indirect exposure actually means, with real examples from across the dataset.