Bee, OK
Bee wildfire risk explained
USFS's Wildfire Risk to Communities model puts Bee at the 82nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 154 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bee at the 84th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Bee's buildings actually sit
Of Bee's 154 counted buildings, 100% 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.
Bee against the rest of the country
Bee ranks lower within Oklahoma (26th percentile statewide) than its 82nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Bee ranks 5,708 for wildfire risk (1 is highest) and 26,721 by building count (1 is largest). Within Oklahoma alone, it ranks 622 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
Bee's very high rating (82nd 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
Bee's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Bee's 82nd-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 Bee, see the exposure-zones guide.