Cave Spring, OK
Cave Spring, OK's wildfire risk, in USFS's own numbers
USFS scores Cave Spring at the 92nd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 69 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 Cave Spring at the 94th percentile, close to its 92nd-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Cave Spring: 100% of its 69 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Cave Spring ranks
Cave Spring's 92nd national percentile looks worse in isolation than its 56th ranking inside Oklahoma does — this place is on the milder end for its own state, by 36 points. Among the 31,521 US communities USFS scores, Cave Spring ranks 2,617 for wildfire risk (1 is highest) and 30,323 by building count (1 is largest). Within Oklahoma alone, it ranks 367 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 92nd percentile nationally, Cave Spring carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Cave Spring's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Cave Spring's figures come from
Every one of the two percentiles behind Cave Spring's 2,617-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cave Spring's dominant direct exposure actually means, with real examples from across the dataset.