Ripley, OK
How exposed is Ripley to wildfire?
USFS scores Ripley at the 92nd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 276 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ripley's burn probability — fire likelihood with no building count factored in — sits at the 93rd percentile nationally.
Ripley's building exposure, zone by zone
Indirect exposure is dominant in Ripley (62.7% of 276 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 37.3% sit in the Direct zone.
How Ripley compares
Inside Oklahoma, Ripley sits at just the 59th percentile even though it scores 92nd 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, Ripley ranks 2,498 for wildfire risk (1 is highest) and 22,331 by building count (1 is largest). Within Oklahoma alone, it ranks 351 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Ripley and the insurance market
Ripley's 92nd-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
Ripley's 62.7% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Ripley's 92nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Ripley, see the exposure-zones guide.