Kemp, OK
Kemp, OK's wildfire risk, in USFS's own numbers
USFS scores Kemp at the 75th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 125 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Kemp at the 75th 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 Kemp: 73.6% of its 125 buildings, versus 26.4% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Kemp compares
Inside Oklahoma, Kemp sits at just the 14th percentile even though it scores 75th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Kemp ranks 7,985 for wildfire risk (1 is highest) and 27,957 by building count (1 is largest). Within Oklahoma alone, it ranks 716 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Kemp and the insurance market
At the 75th percentile nationally, Kemp carries the 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Kemp (73.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Kemp's figures come from
Kemp's 75th-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 Kemp's dominant direct exposure actually means, with real examples from across the dataset.