Colony, OK
Colony wildfire risk explained
Colony sits at the 84th 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 168 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 Colony at the 83rd percentile, close to its 84th-percentile risk score.
What "at risk" means for the buildings here
168 buildings are counted in Colony, and 70.8% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Colony against the rest of the country
Colony's 84th national percentile looks worse in isolation than its 29th ranking inside Oklahoma does — this place is on the milder end for its own state, by 55 points. Among the 31,521 US communities USFS scores, Colony ranks 5,084 for wildfire risk (1 is highest) and 26,108 by building count (1 is largest). Within Oklahoma alone, it ranks 590 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Colony and the insurance market
At the 84th percentile nationally, Colony carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
With 70.8% of Colony 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 Colony's figures come from
Every one of the two percentiles behind Colony's 5,084-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Colony's dominant direct exposure actually means, with real examples from across the dataset.