White Water, OK
White Water wildfire risk explained
USFS scores White Water at the 89th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 65 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 White Water at the 91st percentile, close to its 89th-percentile risk score.
White Water's building exposure, zone by zone
USFS classifies 100% of White Water's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 65 structures sit close enough to vegetation that lot clearing matters most.
Where White Water ranks
White Water ranks lower within Oklahoma (44th 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, White Water ranks 3,476 for wildfire risk (1 is highest) and 30,474 by building count (1 is largest). Within Oklahoma alone, it ranks 473 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
White Water's 89th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in White Water
Because Direct exposure dominates in White Water (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
Every one of the two percentiles behind White Water's 3,476-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond White Water, see the exposure-zones guide.