Isabella, OK
How exposed is Isabella to wildfire?
USFS scores Isabella at the 81st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 151 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Isabella at the 79th percentile, close to its 81st-percentile risk score.
Where Isabella's buildings actually sit
Most of Isabella's buildings (65.6% of 151) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Isabella against the rest of the country
Isabella ranks lower within Oklahoma (23rd percentile statewide) than its 81st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Isabella ranks 5,902 for wildfire risk (1 is highest) and 26,856 by building count (1 is largest). Within Oklahoma alone, it ranks 640 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Isabella and the insurance market
Isabella's very high rating (81st 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.
Hardening a home in Isabella
Even with 65.6% of Isabella outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Isabella's 81st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Isabella, see the exposure-zones guide.