Guthrie, OK
How exposed is Guthrie to wildfire?
Guthrie sits at the 83rd 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 6,060 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 Guthrie at the 83rd percentile, close to its 83rd-percentile risk score.
What "at risk" means for the buildings here
USFS puts 55.8% of Guthrie's 6,060 buildings in the Indirect exposure zone, versus 39.1% Direct and 5.1% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 6,060 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Guthrie against the rest of the country
Guthrie ranks lower within Oklahoma (27th percentile statewide) than its 83rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Guthrie ranks 5,459 for wildfire risk (1 is highest) and 2,855 by building count (1 is largest). Within Oklahoma alone, it ranks 608 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 83rd percentile nationally, Guthrie 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 Guthrie
With ember exposure the dominant pattern in Guthrie (55.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Guthrie's figures come from
Every one of the two percentiles behind Guthrie's 5,459-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Guthrie's dominant indirect exposure actually means, with real examples from across the dataset.