Zeb, OK
Zeb, OK's wildfire risk, in USFS's own numbers
USFS scores Zeb at the 97th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 428 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Zeb at the 98th national percentile — 1 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
428 buildings are counted in Zeb, and 94.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Zeb against the rest of the country
Zeb's risk sits at a similar level relative to Oklahoma (93rd percentile statewide) as it does nationally (97th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Zeb ranks 986 for wildfire risk (1 is highest) and 18,698 by building count (1 is largest). Within Oklahoma alone, it ranks 61 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Zeb
Zeb's 97th-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 Zeb
Because Direct exposure dominates in Zeb (94.9%), 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
The methodology guide shows exactly how USFS turned 428 counted buildings into the percentiles shown above for Zeb. For more on what direct exposure implies beyond Zeb, see the exposure-zones guide.