Reagan, OK
How exposed is Reagan to wildfire?
Reagan's 78 buildings earn a 93rd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Reagan at the 94th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Reagan's buildings actually sit
100% of Reagan's 78 buildings sit in USFS's Direct exposure zone, roughly 78 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Reagan against the rest of the country
Inside Oklahoma, Reagan sits at just the 63rd percentile even though it scores 93rd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Reagan ranks 2,274 for wildfire risk (1 is highest) and 29,983 by building count (1 is largest). Within Oklahoma alone, it ranks 307 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
What this risk score means for insurance
Reagan's very high rating (93rd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Reagan's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Reagan's figures come from
Every one of the two percentiles behind Reagan's 2,274-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Reagan's dominant direct exposure actually means, with real examples from across the dataset.