Gerty, OK
How exposed is Gerty to wildfire?
USFS's Wildfire Risk to Communities model puts Gerty at the 95th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 102 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Gerty at the 96th percentile, close to its 95th-percentile risk score.
Where Gerty's buildings actually sit
USFS classifies 80.4% of Gerty's buildings as Direct exposure, higher than its 19.6% Indirect share and far above its 0% Minimal share — a profile where 82 structures sit close enough to vegetation that lot clearing matters most.
Gerty against the rest of the country
Gerty's 95th national percentile looks worse in isolation than its 77th ranking inside Oklahoma does — this place is on the milder end for its own state, by 17 points. Among the 31,521 US communities USFS scores, Gerty ranks 1,678 for wildfire risk (1 is highest) and 28,969 by building count (1 is largest). Within Oklahoma alone, it ranks 190 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Gerty and the insurance market
Gerty's very high rating (95th 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
Gerty's 80.4% 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 Gerty's figures come from
Every one of the two percentiles behind Gerty's 1,678-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Gerty's dominant direct exposure actually means, with real examples from across the dataset.