Buffalo, OK
Buffalo, OK's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Buffalo at the 98th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 958 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 Buffalo at the 98th percentile, close to its 98th-percentile risk score.
What "at risk" means for the buildings here
958 buildings are counted in Buffalo, and 92.1% of them are Indirect exposure — ember-driven risk rather than the 7.9% in Direct exposure or the 0% rated Minimal.
Where Buffalo ranks
Buffalo scores 98th nationally and 97th within Oklahoma — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Buffalo ranks 731 for wildfire risk (1 is highest) and 12,251 by building count (1 is largest). Within Oklahoma alone, it ranks 28 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
Buffalo's 98th-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.
Hardening a home in Buffalo
Buffalo's 92.1% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 958 counted buildings into the percentiles shown above for Buffalo. For more on what indirect exposure implies beyond Buffalo, see the exposure-zones guide.