Dougherty, OK
Dougherty wildfire risk explained
USFS scores Dougherty at the 89th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 182 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Dougherty at the 90th national percentile — 1 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 classifies 57.7% of Dougherty's buildings as Direct exposure, higher than its 42.3% Indirect share and far above its 0% Minimal share — a profile where 105 structures sit close enough to vegetation that lot clearing matters most.
Dougherty against the rest of the country
Inside Oklahoma, Dougherty sits at just the 44th percentile even though it scores 89th 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, Dougherty ranks 3,441 for wildfire risk (1 is highest) and 25,559 by building count (1 is largest). Within Oklahoma alone, it ranks 468 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
Dougherty's 89th-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.
Hardening a home in Dougherty
Because Direct exposure dominates in Dougherty (57.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Dougherty's figures come from
The methodology guide shows exactly how USFS turned 182 counted buildings into the percentiles shown above for Dougherty. The exposure-zones guide covers what Dougherty's dominant direct exposure actually means, with real examples from across the dataset.