Jones, OK
How exposed is Jones to wildfire?
Jones sits at the 86th 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 1,847 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Jones at the 87th 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
Direct exposure dominates in Jones: 69.5% of its 1,847 buildings, versus 1.1% Indirect and 29.5% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Jones against the rest of the country
Jones's 86th national percentile looks worse in isolation than its 34th ranking inside Oklahoma does — this place is on the milder end for its own state, by 52 points. Among the 31,521 US communities USFS scores, Jones ranks 4,479 for wildfire risk (1 is highest) and 7,921 by building count (1 is largest). Within Oklahoma alone, it ranks 553 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 86th percentile nationally, Jones 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.
What would actually reduce this score
Jones's 69.5% 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 Jones's figures come from
The methodology guide shows exactly how USFS turned 1,847 counted buildings into the percentiles shown above for Jones. The exposure-zones guide covers what Jones's dominant direct exposure actually means, with real examples from across the dataset.