Cherokee, OK
Cherokee wildfire risk explained
USFS's Wildfire Risk to Communities model puts Cherokee at the 31st national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,286 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cherokee's burn probability — fire likelihood with no building count factored in — sits at the 24th percentile nationally.
Cherokee's building exposure, zone by zone
96.4% of Cherokee's 1,286 buildings sit in USFS's Minimal exposure zone, with only 3.7% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Cherokee compares
Cherokee ranks lower within Oklahoma (2nd percentile statewide) than its 31st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Cherokee ranks 21,664 for wildfire risk (1 is highest) and 10,157 by building count (1 is largest). Within Oklahoma alone, it ranks 820 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Cherokee
Cherokee's moderate wildfire rating (31st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 96.4% of buildings rated Minimal exposure, Cherokee gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Cherokee's 31st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Cherokee, see the exposure-zones guide.