Rock Island, OK
How exposed is Rock Island to wildfire?
USFS scores Rock Island at the 93rd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 641 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rock Island's burn probability — fire likelihood with no building count factored in — sits at the 95th percentile nationally.
What "at risk" means for the buildings here
99.7% of Rock Island's 641 buildings sit in USFS's Direct exposure zone, roughly 639 structures close enough to burnable vegetation for flame contact, not just embers — 0.3% fall in the Indirect, ember-only zone and 0% are Minimal.
How Rock Island compares
Inside Oklahoma, Rock Island sits at just the 61st 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, Rock Island ranks 2,374 for wildfire risk (1 is highest) and 15,313 by building count (1 is largest). Within Oklahoma alone, it ranks 328 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
Rock Island'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.
Hardening a home in Rock Island
Rock Island's 99.7% 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 Rock Island's figures come from
Rock Island's 93rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Rock Island's dominant direct exposure actually means, with real examples from across the dataset.