Terlton, OK
Terlton, OK's wildfire risk, in USFS's own numbers
Terlton sits at the 94th 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 70 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Terlton's burn probability — fire likelihood with no building count factored in — sits at the 96th percentile nationally.
Terlton's building exposure, zone by zone
Of Terlton's 70 counted buildings, 68.6% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Terlton compares
Terlton ranks lower within Oklahoma (76th 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, Terlton ranks 1,770 for wildfire risk (1 is highest) and 30,295 by building count (1 is largest). Within Oklahoma alone, it ranks 211 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 94th percentile nationally, Terlton 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
Because Direct exposure dominates in Terlton (68.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Terlton's 1,770-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Terlton, see the exposure-zones guide.