Hoyt, OK
Hoyt wildfire risk explained
USFS scores Hoyt at the 97th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 104 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hoyt's burn probability — fire likelihood with no building count factored in — sits at the 98th percentile nationally.
Where Hoyt's buildings actually sit
Of Hoyt's 104 counted buildings, 96.2% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Hoyt compares
Hoyt scores 97th nationally and 91st within Oklahoma — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Hoyt ranks 1,047 for wildfire risk (1 is highest) and 28,860 by building count (1 is largest). Within Oklahoma alone, it ranks 72 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Hoyt
Hoyt's 97th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Because Direct exposure dominates in Hoyt (96.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Hoyt's figures come from
Hoyt's 97th-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 Hoyt's dominant direct exposure actually means, with real examples from across the dataset.