Apache, OK
Apache wildfire risk explained
USFS's Wildfire Risk to Communities model puts Apache at the 87th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,025 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Apache's burn probability — fire likelihood with no building count factored in — sits at the 85th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Apache (74.9% of 1,025 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 25.1% sit in the Direct zone.
Where Apache ranks
Apache's 87th national percentile looks worse in isolation than its 35th ranking inside Oklahoma does — this place is on the milder end for its own state, by 51 points. Among the 31,521 US communities USFS scores, Apache ranks 4,230 for wildfire risk (1 is highest) and 11,762 by building count (1 is largest). Within Oklahoma alone, it ranks 538 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
Apache's very high rating (87th 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
Apache's 74.9% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Apache's figures come from
Every one of the two percentiles behind Apache's 4,230-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Apache's dominant indirect exposure actually means, with real examples from across the dataset.