Finley, OK
Finley, OK's wildfire risk, in USFS's own numbers
Finley sits at the 96th 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 69 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Finley's burn probability — fire likelihood with no building count factored in — sits at the 98th percentile nationally.
What "at risk" means for the buildings here
100% of Finley's 69 buildings sit in USFS's Direct exposure zone, roughly 69 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 Finley ranks
There's little gap between Finley's 96th national percentile and its 86th percentile inside Oklahoma, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Finley ranks 1,263 for wildfire risk (1 is highest) and 30,324 by building count (1 is largest). Within Oklahoma alone, it ranks 116 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Finley
Finley's very high rating (96th 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 Finley (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Finley's 96th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Finley, see the exposure-zones guide.