Cowlington, OK
Cowlington wildfire risk explained
Cowlington's 120 buildings earn a 97th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cowlington at the 98th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Cowlington's buildings actually sit
Direct exposure dominates in Cowlington: 89.2% of its 120 buildings, versus 10.8% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Cowlington ranks
There's little gap between Cowlington's 97th national percentile and its 94th percentile inside Oklahoma, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Cowlington ranks 981 for wildfire risk (1 is highest) and 28,162 by building count (1 is largest). Within Oklahoma alone, it ranks 56 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Cowlington and the insurance market
Cowlington's very high rating (97th 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.
What would actually reduce this score
Because Direct exposure dominates in Cowlington (89.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Cowlington's figures come from
Every one of the two percentiles behind Cowlington's 981-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cowlington's dominant direct exposure actually means, with real examples from across the dataset.