Tok, AK
How exposed is Tok to wildfire?
USFS scores Tok at the 99th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 981 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Tok at the 99th percentile, close to its 99th-percentile risk score.
Where Tok's buildings actually sit
981 buildings are counted in Tok, and 76.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.1% rated Minimal.
Tok against the rest of the country
There's little gap between Tok's 99th national percentile and its 99th percentile inside Alaska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Tok ranks 240 for wildfire risk (1 is highest) and 12,063 by building count (1 is largest). Within Alaska alone, it ranks 6 of 322 places by risk. See the full county-by-county picture for Alaska on its state page.
What this risk score means for insurance
At the 99th percentile nationally, Tok 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.
Lowering exposure, not just insuring around it
With 76.9% of Tok 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.
More on how this number was built
Tok's 99th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Tok, see the exposure-zones guide.