Wayne, OK
Wayne wildfire risk explained
Wayne's 429 buildings earn a 89th-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.)
Separately from the risk score above, Wayne's burn probability — fire likelihood with no building count factored in — sits at the 88th percentile nationally.
What "at risk" means for the buildings here
USFS puts 91.4% of Wayne's 429 buildings in the Indirect exposure zone, versus 8.6% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Wayne ranks
Wayne ranks lower within Oklahoma (41st 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, Wayne ranks 3,631 for wildfire risk (1 is highest) and 18,677 by building count (1 is largest). Within Oklahoma alone, it ranks 491 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Wayne and the insurance market
At the 89th percentile nationally, Wayne 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.
Hardening a home in Wayne
Because 91.4% of Wayne'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 Wayne's figures come from
Wayne's 89th-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 Wayne's dominant indirect exposure actually means, with real examples from across the dataset.