Okarche, OK
Okarche, OK's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Okarche at the 55th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 754 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Okarche at the 50th percentile, close to its 55th-percentile risk score.
Where Okarche's buildings actually sit
91.1% of Okarche's 754 buildings sit in USFS's Minimal exposure zone, with only 8.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Okarche ranks
Okarche ranks lower within Oklahoma (7th percentile statewide) than its 55th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Okarche ranks 14,132 for wildfire risk (1 is highest) and 14,085 by building count (1 is largest). Within Oklahoma alone, it ranks 778 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Okarche and the insurance market
Okarche's elevated wildfire rating (55th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Even with 91.1% of Okarche outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 754 counted buildings into the percentiles shown above for Okarche. For more on what minimal exposure implies beyond Okarche, see the exposure-zones guide.