Keys, OK
Keys wildfire risk explained
Keys's 904 buildings earn a 96th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Keys at the 97th percentile, close to its 96th-percentile risk score.
Where Keys's buildings actually sit
Direct exposure dominates in Keys: 94.3% of its 904 buildings, versus 5.8% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Keys ranks
Keys's risk sits at a similar level relative to Oklahoma (82nd percentile statewide) as it does nationally (96th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Keys ranks 1,426 for wildfire risk (1 is highest) and 12,690 by building count (1 is largest). Within Oklahoma alone, it ranks 150 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Keys
Keys's very high rating (96th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Keys (94.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Keys's figures come from
Keys's 96th-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 Keys's dominant direct exposure actually means, with real examples from across the dataset.