Paoli, OK
How exposed is Paoli to wildfire?
Paoli sits at the 92nd 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 359 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Paoli's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
Where Paoli's buildings actually sit
USFS puts 79.1% of Paoli's 359 buildings in the Indirect exposure zone, versus 20.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Paoli compares
Paoli's 92nd national percentile looks worse in isolation than its 56th ranking inside Oklahoma does — this place is on the milder end for its own state, by 36 points. Among the 31,521 US communities USFS scores, Paoli ranks 2,622 for wildfire risk (1 is highest) and 20,095 by building count (1 is largest). Within Oklahoma alone, it ranks 372 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Paoli and the insurance market
At the 92nd percentile nationally, Paoli 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.
Lowering exposure, not just insuring around it
Because 79.1% of Paoli's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Paoli's figures come from
Every one of the two percentiles behind Paoli's 2,622-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Paoli's dominant indirect exposure actually means, with real examples from across the dataset.