Murphy, OK
Murphy, OK's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Murphy lands at the 89th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 108 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Murphy at the 91st 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
100% of Murphy's 108 buildings sit in USFS's Direct exposure zone, roughly 108 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
How Murphy compares
Murphy ranks lower within Oklahoma (44th percentile statewide) than its 89th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Murphy ranks 3,474 for wildfire risk (1 is highest) and 28,709 by building count (1 is largest). Within Oklahoma alone, it ranks 471 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Murphy
At the 89th percentile nationally, Murphy carries the very 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.
What would actually reduce this score
With 100% of Murphy in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Murphy's figures come from
Every one of the two percentiles behind Murphy's 3,474-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Murphy's dominant direct exposure actually means, with real examples from across the dataset.