Geary, OK
Geary wildfire risk explained
Geary's 937 buildings earn a 87th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Geary at the 86th percentile, close to its 87th-percentile risk score.
Geary's building exposure, zone by zone
937 buildings are counted in Geary, and 77% of them are Indirect exposure — ember-driven risk rather than the 23.1% in Direct exposure or the 0% rated Minimal.
Where Geary ranks
Geary's 87th national percentile looks worse in isolation than its 35th ranking inside Oklahoma does — this place is on the milder end for its own state, by 51 points. Among the 31,521 US communities USFS scores, Geary ranks 4,253 for wildfire risk (1 is highest) and 12,415 by building count (1 is largest). Within Oklahoma alone, it ranks 541 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
Geary'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.
What would actually reduce this score
Because 77% of Geary's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Geary's figures come from
The methodology guide shows exactly how USFS turned 937 counted buildings into the percentiles shown above for Geary. The exposure-zones guide covers what Geary's dominant indirect exposure actually means, with real examples from across the dataset.