Earl, OK
Earl wildfire risk explained
Earl 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 40 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 Earl at the 88th percentile, close to its 87th-percentile risk score.
Where Earl's buildings actually sit
Of Earl's 40 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Earl against the rest of the country
Earl ranks lower within Oklahoma (35th 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, Earl ranks 4,252 for wildfire risk (1 is highest) and 31,181 by building count (1 is largest). Within Oklahoma alone, it ranks 540 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Earl
Earl's very high rating (87th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Earl (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Earl's figures come from
Every one of the two percentiles behind Earl's 4,252-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Earl's dominant direct exposure actually means, with real examples from across the dataset.