Moyers, OK
How exposed is Moyers to wildfire?
Moyers sits at the 95th 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 75 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Moyers's burn probability — fire likelihood with no building count factored in — sits at the 97th percentile nationally.
Where Moyers's buildings actually sit
85.3% of Moyers's 75 buildings sit in USFS's Direct exposure zone, roughly 64 structures close enough to burnable vegetation for flame contact, not just embers — 14.7% fall in the Indirect, ember-only zone and 0% are Minimal.
Moyers against the rest of the country
Moyers ranks lower within Oklahoma (78th percentile statewide) than its 95th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Moyers ranks 1,642 for wildfire risk (1 is highest) and 30,104 by building count (1 is largest). Within Oklahoma alone, it ranks 185 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Moyers and the insurance market
Moyers's very high rating (95th 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.
What would actually reduce this score
Moyers's 85.3% 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 Moyers's figures come from
Moyers's 95th-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 Moyers's dominant direct exposure actually means, with real examples from across the dataset.