Bethany, OK
How exposed is Bethany to wildfire?
USFS's Wildfire Risk to Communities model puts Bethany at the 63rd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 8,038 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bethany at the 63rd percentile, close to its 63rd-percentile risk score.
What "at risk" means for the buildings here
Bethany rates 93% Minimal exposure against just 7% Direct and 0% Indirect — of 8,038 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 8,038 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Bethany against the rest of the country
Bethany's 63rd national percentile looks worse in isolation than its 10th ranking inside Oklahoma does — this place is on the milder end for its own state, by 54 points. Among the 31,521 US communities USFS scores, Bethany ranks 11,574 for wildfire risk (1 is highest) and 2,100 by building count (1 is largest). Within Oklahoma alone, it ranks 755 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Bethany and the insurance market
Bethany's high rating (63rd 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
Even with 93% of Bethany outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 8,038 counted buildings into the percentiles shown above for Bethany. For more on what minimal exposure implies beyond Bethany, see the exposure-zones guide.