Dry Creek, OK
Dry Creek wildfire risk explained
Dry Creek sits at the 93rd 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 237 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 Dry Creek at the 95th percentile, close to its 93rd-percentile risk score.
Dry Creek's building exposure, zone by zone
100% of Dry Creek's 237 buildings sit in USFS's Direct exposure zone, roughly 237 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Dry Creek ranks
Dry Creek's 93rd national percentile looks worse in isolation than its 62nd ranking inside Oklahoma does — this place is on the milder end for its own state, by 31 points. Among the 31,521 US communities USFS scores, Dry Creek ranks 2,301 for wildfire risk (1 is highest) and 23,569 by building count (1 is largest). Within Oklahoma alone, it ranks 311 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Dry Creek and the insurance market
At the 93rd percentile nationally, Dry Creek 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.
Hardening a home in Dry Creek
Dry Creek's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 237 counted buildings into the percentiles shown above for Dry Creek. For more on what direct exposure implies beyond Dry Creek, see the exposure-zones guide.