Temple, OK
How exposed is Temple to wildfire?
Temple sits at the 86th 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 843 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Temple at the 84th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Temple's buildings actually sit
843 buildings are counted in Temple, and 84% of them are Indirect exposure — ember-driven risk rather than the 16% in Direct exposure or the 0% rated Minimal.
Where Temple ranks
Inside Oklahoma, Temple sits at just the 34th percentile even though it scores 86th 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, Temple ranks 4,390 for wildfire risk (1 is highest) and 13,226 by building count (1 is largest). Within Oklahoma alone, it ranks 550 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Temple and the insurance market
Temple's very high rating (86th 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.
What would actually reduce this score
Because 84% of Temple'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 Temple's figures come from
Every one of the two percentiles behind Temple's 4,390-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Temple's dominant indirect exposure actually means, with real examples from across the dataset.