Whitehorn Cove, OK
How exposed is Whitehorn Cove to wildfire?
Out of every US place USFS scores, Whitehorn Cove lands at the 85th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 1,058 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Whitehorn Cove's burn probability — fire likelihood with no building count factored in — sits at the 87th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 94.7% of Whitehorn Cove's buildings as Direct exposure, higher than its 3.3% Indirect share and far above its 2% Minimal share — a profile where 1,002 structures sit close enough to vegetation that lot clearing matters most.
Whitehorn Cove against the rest of the country
Inside Oklahoma, Whitehorn Cove sits at just the 32nd percentile even though it scores 85th 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, Whitehorn Cove ranks 4,797 for wildfire risk (1 is highest) and 11,543 by building count (1 is largest). Within Oklahoma alone, it ranks 572 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
Shopping for coverage in Whitehorn Cove
At the 85th percentile nationally, Whitehorn Cove 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 Whitehorn Cove (94.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,058 counted buildings into the percentiles shown above for Whitehorn Cove. For more on what direct exposure implies beyond Whitehorn Cove, see the exposure-zones guide.