Cole, OK
Cole, OK's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Cole at the 87th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 551 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cole at the 88th percentile, close to its 87th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 96.4% of Cole's buildings as Direct exposure, higher than its 3.6% Indirect share and far above its 0% Minimal share — a profile where 531 structures sit close enough to vegetation that lot clearing matters most.
Cole against the rest of the country
Cole ranks lower within Oklahoma (37th percentile statewide) than its 87th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Cole ranks 4,099 for wildfire risk (1 is highest) and 16,562 by building count (1 is largest). Within Oklahoma alone, it ranks 528 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Cole
Cole's very high rating (87th 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 96.4% of Cole 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 Cole's figures come from
The methodology guide shows exactly how USFS turned 551 counted buildings into the percentiles shown above for Cole. The exposure-zones guide covers what Cole's dominant direct exposure actually means, with real examples from across the dataset.