White Oak, OK
White Oak, OK's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, White Oak lands at the 85th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 254 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks White Oak at the 87th 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
Direct exposure dominates in White Oak: 86.6% of its 254 buildings, versus 13.4% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where White Oak ranks
Inside Oklahoma, White Oak 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, White Oak ranks 4,861 for wildfire risk (1 is highest) and 23,028 by building count (1 is largest). Within Oklahoma alone, it ranks 578 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 85th percentile nationally, White Oak 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 White Oak
White Oak's 86.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where White Oak's figures come from
The methodology guide shows exactly how USFS turned 254 counted buildings into the percentiles shown above for White Oak. The exposure-zones guide covers what White Oak's dominant direct exposure actually means, with real examples from across the dataset.