Moodys, OK
Moodys wildfire risk explained
USFS's Wildfire Risk to Communities model puts Moodys at the 94th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 707 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Moodys at the 96th national percentile — 2 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 Moodys: 100% of its 707 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Moodys compares
Inside Oklahoma, Moodys sits at just the 72nd percentile even though it scores 94th 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, Moodys ranks 1,926 for wildfire risk (1 is highest) and 14,586 by building count (1 is largest). Within Oklahoma alone, it ranks 235 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
Moodys's very high rating (94th 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
Moodys's 100% 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.
More on how this number was built
Moodys's 94th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Moodys, see the exposure-zones guide.