Cleora, OK
Cleora wildfire risk explained
Cleora sits at the 85th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 1,962 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cleora at the 87th percentile, close to its 85th-percentile risk score.
Where Cleora's buildings actually sit
1,962 buildings are counted in Cleora, and 78.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 5.9% rated Minimal.
Cleora against the rest of the country
Inside Oklahoma, Cleora sits at just the 32nd percentile even though it scores 85th 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, Cleora ranks 4,708 for wildfire risk (1 is highest) and 7,585 by building count (1 is largest). Within Oklahoma alone, it ranks 568 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
Cleora's very high rating (85th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Cleora
Because Direct exposure dominates in Cleora (78.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Cleora's figures come from
The methodology guide shows exactly how USFS turned 1,962 counted buildings into the percentiles shown above for Cleora. The exposure-zones guide covers what Cleora's dominant direct exposure actually means, with real examples from across the dataset.