Bowlegs, OK
How exposed is Bowlegs to wildfire?
Bowlegs sits at the 92nd percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 325 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bowlegs at the 94th percentile, close to its 92nd-percentile risk score.
Where Bowlegs's buildings actually sit
82.5% of Bowlegs's 325 buildings sit in USFS's Direct exposure zone, roughly 268 structures close enough to burnable vegetation for flame contact, not just embers — 17.5% fall in the Indirect, ember-only zone and 0% are Minimal.
How Bowlegs compares
Bowlegs's 92nd national percentile looks worse in isolation than its 58th ranking inside Oklahoma does — this place is on the milder end for its own state, by 34 points. Among the 31,521 US communities USFS scores, Bowlegs ranks 2,493 for wildfire risk (1 is highest) and 20,970 by building count (1 is largest). Within Oklahoma alone, it ranks 346 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
Bowlegs's very high rating (92nd 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
With 82.5% of Bowlegs 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 Bowlegs's figures come from
The methodology guide shows exactly how USFS turned 325 counted buildings into the percentiles shown above for Bowlegs. The exposure-zones guide covers what Bowlegs's dominant direct exposure actually means, with real examples from across the dataset.