Loyal, OK
How exposed is Loyal to wildfire?
Loyal sits at the 47th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 72 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Loyal at the 43rd percentile, close to its 47th-percentile risk score.
Loyal's building exposure, zone by zone
Loyal rates 83.3% Minimal exposure against just 16.7% Direct and 0% Indirect — of 72 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Loyal ranks
Inside Oklahoma, Loyal sits at just the 4th percentile even though it scores 47th 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, Loyal ranks 16,870 for wildfire risk (1 is highest) and 30,222 by building count (1 is largest). Within Oklahoma alone, it ranks 799 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 47th national percentile, Loyal rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Loyal's 83.3% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Loyal's figures come from
Loyal's 47th-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 Loyal's dominant minimal exposure actually means, with real examples from across the dataset.