Wardville, OK
How exposed is Wardville to wildfire?
Wardville sits at the 97th 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 90 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Wardville at the 99th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
90 buildings are counted in Wardville, and 83.3% 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% rated Minimal.
How Wardville compares
There's little gap between Wardville's 97th national percentile and its 95th percentile inside Oklahoma, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Wardville ranks 830 for wildfire risk (1 is highest) and 29,508 by building count (1 is largest). Within Oklahoma alone, it ranks 44 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Wardville and the insurance market
At the 97th percentile nationally, Wardville 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
Because Direct exposure dominates in Wardville (83.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Wardville's figures come from
Wardville's 97th-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 Wardville's dominant direct exposure actually means, with real examples from across the dataset.