Cloud Creek, OK
Cloud Creek wildfire risk explained
Cloud Creek's 323 buildings earn a 91st-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cloud Creek's burn probability — fire likelihood with no building count factored in — sits at the 93rd percentile nationally.
Where Cloud Creek's buildings actually sit
Of Cloud Creek's 323 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Cloud Creek against the rest of the country
Inside Oklahoma, Cloud Creek sits at just the 52nd percentile even though it scores 91st 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, Cloud Creek ranks 2,901 for wildfire risk (1 is highest) and 21,018 by building count (1 is largest). Within Oklahoma alone, it ranks 404 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
Cloud Creek's very high rating (91st 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.
Lowering exposure, not just insuring around it
With 100% of Cloud Creek 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 Cloud Creek's figures come from
The methodology guide shows exactly how USFS turned 323 counted buildings into the percentiles shown above for Cloud Creek. The exposure-zones guide covers what Cloud Creek's dominant direct exposure actually means, with real examples from across the dataset.