Terral, OK
Terral, OK's wildfire risk, in USFS's own numbers
Terral's 310 buildings earn a 82nd-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Terral at the 82nd percentile, close to its 82nd-percentile risk score.
What "at risk" means for the buildings here
77.4% of Terral's 310 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 22.6% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Terral compares
Inside Oklahoma, Terral sits at just the 25th percentile even though it scores 82nd 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, Terral ranks 5,710 for wildfire risk (1 is highest) and 21,373 by building count (1 is largest). Within Oklahoma alone, it ranks 624 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Terral and the insurance market
At the 82nd percentile nationally, Terral 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
Terral's 77.4% 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.
More on how this number was built
Terral's 82nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Terral, see the exposure-zones guide.