Oak Hill-Piney, OK
How exposed is Oak Hill-Piney to wildfire?
Oak Hill-Piney sits at the 89th 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 112 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oak Hill-Piney at the 92nd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Oak Hill-Piney's building exposure, zone by zone
100% of Oak Hill-Piney's 112 buildings sit in USFS's Direct exposure zone, roughly 112 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Oak Hill-Piney against the rest of the country
Oak Hill-Piney 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, Oak Hill-Piney ranks 3,381 for wildfire risk (1 is highest) and 28,556 by building count (1 is largest). Within Oklahoma alone, it ranks 463 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Oak Hill-Piney and the insurance market
Oak Hill-Piney's 89th-percentile, very 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
Because Direct exposure dominates in Oak Hill-Piney (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Oak Hill-Piney's 89th-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 Oak Hill-Piney, see the exposure-zones guide.