Arpelar, OK
How exposed is Arpelar to wildfire?
USFS's Wildfire Risk to Communities model puts Arpelar at the 97th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 263 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Arpelar's burn probability — fire likelihood with no building count factored in — sits at the 99th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Arpelar: 98.5% of its 263 buildings, versus 1.5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Arpelar compares
There's little gap between Arpelar's 97th national percentile and its 95th percentile inside Oklahoma, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Arpelar ranks 859 for wildfire risk (1 is highest) and 22,746 by building count (1 is largest). Within Oklahoma alone, it ranks 45 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
Arpelar'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.
Lowering exposure, not just insuring around it
With 98.5% of Arpelar in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Arpelar's figures come from
Every one of the two percentiles behind Arpelar's 859-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Arpelar's dominant direct exposure actually means, with real examples from across the dataset.