Toppers, OK
How exposed is Toppers to wildfire?
Out of every US place USFS scores, Toppers lands at the 84th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 698 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Toppers at the 86th percentile, close to its 84th-percentile risk score.
What "at risk" means for the buildings here
Of Toppers's 698 counted buildings, 64.6% carry Direct exposure and only 1% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Toppers against the rest of the country
Inside Oklahoma, Toppers sits at just the 30th percentile even though it scores 84th 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, Toppers ranks 5,023 for wildfire risk (1 is highest) and 14,678 by building count (1 is largest). Within Oklahoma alone, it ranks 589 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Toppers and the insurance market
At the 84th percentile nationally, Toppers 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 64.6% of Toppers 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
Toppers's 84th-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 Toppers, see the exposure-zones guide.