Billings, OK
How exposed is Billings to wildfire?
Billings's 361 buildings earn a 45th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Billings's burn probability — fire likelihood with no building count factored in — sits at the 43rd percentile nationally.
What "at risk" means for the buildings here
USFS classifies 80.6% of Billings's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 19.4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Billings against the rest of the country
Billings ranks lower within Oklahoma (4th percentile statewide) than its 45th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Billings ranks 17,405 for wildfire risk (1 is highest) and 20,046 by building count (1 is largest). Within Oklahoma alone, it ranks 801 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
At the 45th national percentile, Billings rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Billings
With 80.6% of buildings rated Minimal exposure, Billings gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Billings's figures come from
The methodology guide shows exactly how USFS turned 361 counted buildings into the percentiles shown above for Billings. The exposure-zones guide covers what Billings's dominant minimal exposure actually means, with real examples from across the dataset.