Council Hill, OK
Council Hill wildfire risk explained
Council Hill sits at the 87th 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 156 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Council Hill at the 89th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS puts 66% of Council Hill's 156 buildings in the Indirect exposure zone, versus 34% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Council Hill compares
Council Hill ranks lower within Oklahoma (38th 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, Council Hill ranks 3,974 for wildfire risk (1 is highest) and 26,633 by building count (1 is largest). Within Oklahoma alone, it ranks 516 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Council Hill
Council Hill's 87th-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 ember exposure the dominant pattern in Council Hill (66% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 156 counted buildings into the percentiles shown above for Council Hill. For more on what indirect exposure implies beyond Council Hill, see the exposure-zones guide.