Bray, OK
How exposed is Bray to wildfire?
USFS scores Bray at the 91st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,109 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bray at the 92nd percentile, close to its 91st-percentile risk score.
Bray's building exposure, zone by zone
USFS classifies 98.5% of Bray's buildings as Direct exposure, higher than its 1.5% Indirect share and far above its 0% Minimal share — a profile where 1,092 structures sit close enough to vegetation that lot clearing matters most.
How Bray compares
Inside Oklahoma, Bray sits at just the 55th percentile even though it scores 91st 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, Bray ranks 2,714 for wildfire risk (1 is highest) and 11,226 by building count (1 is largest). Within Oklahoma alone, it ranks 382 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Bray and the insurance market
Bray's 91st-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
Because Direct exposure dominates in Bray (98.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,109 counted buildings into the percentiles shown above for Bray. For more on what direct exposure implies beyond Bray, see the exposure-zones guide.