Bell, OK
Bell, OK's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Bell lands at the 93rd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 105 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bell at the 95th percentile, close to its 93rd-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Bell: 100% of its 105 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Bell compares
Inside Oklahoma, Bell sits at just the 65th percentile even though it scores 93rd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Bell ranks 2,240 for wildfire risk (1 is highest) and 28,814 by building count (1 is largest). Within Oklahoma alone, it ranks 295 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
Bell's 93rd-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.
What would actually reduce this score
With 100% of Bell 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 105 counted buildings into the percentiles shown above for Bell. For more on what direct exposure implies beyond Bell, see the exposure-zones guide.