Fay, OK
Fay, OK's wildfire risk, in USFS's own numbers
USFS scores Fay at the 87th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 97 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fay's burn probability — fire likelihood with no building count factored in — sits at the 88th percentile nationally.
What "at risk" means for the buildings here
97 buildings are counted in Fay, and 61.9% of them are Indirect exposure — ember-driven risk rather than the 38.1% in Direct exposure or the 0% rated Minimal.
Where Fay ranks
Inside Oklahoma, Fay sits at just the 38th percentile even though it scores 87th 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, Fay ranks 3,976 for wildfire risk (1 is highest) and 29,197 by building count (1 is largest). Within Oklahoma alone, it ranks 518 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Fay and the insurance market
At the 87th percentile nationally, Fay 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Fay (61.9% 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
Fay's 87th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Fay, see the exposure-zones guide.