Teresita, OK
Teresita wildfire risk explained
Teresita sits at the 92nd 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 241 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Teresita at the 94th percentile, close to its 92nd-percentile risk score.
What "at risk" means for the buildings here
100% of Teresita's 241 buildings sit in USFS's Direct exposure zone, roughly 241 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Teresita against the rest of the country
Inside Oklahoma, Teresita sits at just the 57th 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, Teresita ranks 2,562 for wildfire risk (1 is highest) and 23,440 by building count (1 is largest). Within Oklahoma alone, it ranks 362 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
At the 92nd percentile nationally, Teresita carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
With 100% of Teresita in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Teresita's figures come from
Teresita's 92nd-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 Teresita's dominant direct exposure actually means, with real examples from across the dataset.