Whitefield, OK
How exposed is Whitefield to wildfire?
Whitefield's 291 buildings earn a 97th-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, Whitefield's burn probability — fire likelihood with no building count factored in — sits at the 98th percentile nationally.
Whitefield's building exposure, zone by zone
Of Whitefield's 291 counted buildings, 82.1% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Whitefield compares
There's little gap between Whitefield's 97th national percentile and its 93rd percentile inside Oklahoma, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Whitefield ranks 985 for wildfire risk (1 is highest) and 21,889 by building count (1 is largest). Within Oklahoma alone, it ranks 60 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Whitefield and the insurance market
Whitefield's very high rating (97th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Whitefield (82.1%), 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
Whitefield's 97th-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 Whitefield, see the exposure-zones guide.