Fort Coffee, OK
How exposed is Fort Coffee to wildfire?
Fort Coffee sits at the 91st 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 295 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 Fort Coffee at the 94th percentile, close to its 91st-percentile risk score.
Fort Coffee's building exposure, zone by zone
100% of Fort Coffee's 295 buildings sit in USFS's Direct exposure zone, roughly 295 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 Fort Coffee ranks
Fort Coffee ranks lower within Oklahoma (52nd percentile statewide) than its 91st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Fort Coffee ranks 2,868 for wildfire risk (1 is highest) and 21,769 by building count (1 is largest). Within Oklahoma alone, it ranks 400 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Fort Coffee and the insurance market
Fort Coffee's very high rating (91st 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
Fort Coffee'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.
Where Fort Coffee's figures come from
Fort Coffee's 91st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Fort Coffee's dominant direct exposure actually means, with real examples from across the dataset.