Fletcher, OK
Fletcher wildfire risk explained
USFS's Wildfire Risk to Communities model puts Fletcher at the 94th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 815 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fletcher's burn probability — fire likelihood with no building count factored in — sits at the 94th percentile nationally.
Where Fletcher's buildings actually sit
Most of Fletcher's buildings (71%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Fletcher ranks
Inside Oklahoma, Fletcher sits at just the 72nd percentile even though it scores 94th 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, Fletcher ranks 1,919 for wildfire risk (1 is highest) and 13,506 by building count (1 is largest). Within Oklahoma alone, it ranks 228 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
At the 94th percentile nationally, Fletcher 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 Fletcher
Fletcher's 71% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 815 counted buildings into the percentiles shown above for Fletcher. For more on what indirect exposure implies beyond Fletcher, see the exposure-zones guide.