Waynoka, OK
Waynoka wildfire risk explained
USFS scores Waynoka at the 99th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 886 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 Waynoka at the 98th percentile, close to its 99th-percentile risk score.
Where Waynoka's buildings actually sit
USFS puts 83.5% of Waynoka's 886 buildings in the Indirect exposure zone, versus 15.5% Direct and 1% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Waynoka against the rest of the country
Waynoka's risk sits at a similar level relative to Oklahoma (100th percentile statewide) as it does nationally (99th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Waynoka ranks 453 for wildfire risk (1 is highest) and 12,847 by building count (1 is largest). Within Oklahoma alone, it ranks 5 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
Waynoka's 99th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Because 83.5% of Waynoka's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Waynoka'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 indirect exposure implies beyond Waynoka, see the exposure-zones guide.