Nichols Hills, OK
How exposed is Nichols Hills to wildfire?
Out of every US place USFS scores, Nichols Hills lands at the 61st percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 2,168 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Nichols Hills's burn probability — fire likelihood with no building count factored in — sits at the 62nd percentile nationally.
Where Nichols Hills's buildings actually sit
USFS classifies 97.1% of Nichols Hills's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 2.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Nichols Hills ranks
Nichols Hills's 61st national percentile looks worse in isolation than its 9th ranking inside Oklahoma does — this place is on the milder end for its own state, by 53 points. Among the 31,521 US communities USFS scores, Nichols Hills ranks 12,175 for wildfire risk (1 is highest) and 7,024 by building count (1 is largest). Within Oklahoma alone, it ranks 762 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Nichols Hills and the insurance market
Nichols Hills's 61st-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Nichols Hills's 97.1% 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.
More on how this number was built
Nichols Hills's 61st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Nichols Hills, see the exposure-zones guide.