Tiawah, OK
Tiawah, OK's wildfire risk, in USFS's own numbers
Tiawah sits at the 85th 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 208 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 Tiawah at the 86th percentile, close to its 85th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 100% of Tiawah's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 208 structures sit close enough to vegetation that lot clearing matters most.
Where Tiawah ranks
Inside Oklahoma, Tiawah sits at just the 31st percentile even though it scores 85th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Tiawah ranks 4,827 for wildfire risk (1 is highest) and 24,571 by building count (1 is largest). Within Oklahoma alone, it ranks 574 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Tiawah and the insurance market
At the 85th percentile nationally, Tiawah 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
Because Direct exposure dominates in Tiawah (100%), 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
Tiawah's 85th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Tiawah, see the exposure-zones guide.