Cherry Tree, OK
Cherry Tree, OK's wildfire risk, in USFS's own numbers
USFS scores Cherry Tree at the 93rd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 447 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cherry Tree at the 95th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Cherry Tree's buildings actually sit
Direct exposure dominates in Cherry Tree: 100% of its 447 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Cherry Tree ranks
Cherry Tree ranks lower within Oklahoma (67th percentile statewide) than its 93rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Cherry Tree ranks 2,109 for wildfire risk (1 is highest) and 18,339 by building count (1 is largest). Within Oklahoma alone, it ranks 274 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
Cherry Tree's 93rd-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.
Lowering exposure, not just insuring around it
With 100% of Cherry Tree 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 Cherry Tree's figures come from
The methodology guide shows exactly how USFS turned 447 counted buildings into the percentiles shown above for Cherry Tree. The exposure-zones guide covers what Cherry Tree's dominant direct exposure actually means, with real examples from across the dataset.