Roff, OK
How exposed is Roff to wildfire?
Roff's 520 buildings earn a 94th-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 Roff at the 94th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Indirect exposure is dominant in Roff (63.1% of 520 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 36.9% sit in the Direct zone.
Roff against the rest of the country
Roff ranks lower within Oklahoma (72nd percentile statewide) than its 94th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Roff ranks 1,927 for wildfire risk (1 is highest) and 17,023 by building count (1 is largest). Within Oklahoma alone, it ranks 236 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Roff
Roff's 94th-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
Roff's 63.1% 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.
Where Roff's figures come from
Every one of the two percentiles behind Roff's 1,927-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Roff's dominant indirect exposure actually means, with real examples from across the dataset.