Hardesty, OK
Hardesty, OK's wildfire risk, in USFS's own numbers
Hardesty sits at the 98th 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 182 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hardesty at the 98th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
76.4% of Hardesty's 182 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 23.6% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Hardesty ranks
Hardesty's risk sits at a similar level relative to Oklahoma (95th percentile statewide) as it does nationally (98th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Hardesty ranks 796 for wildfire risk (1 is highest) and 25,561 by building count (1 is largest). Within Oklahoma alone, it ranks 39 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
Hardesty's very high rating (98th 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
Hardesty's 76.4% 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.
Where Hardesty's figures come from
Hardesty's 98th-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 Hardesty's dominant indirect exposure actually means, with real examples from across the dataset.