Zena, OK
Zena wildfire risk explained
Out of every US place USFS scores, Zena lands at the 89th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 194 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 Zena at the 91st percentile, close to its 89th-percentile risk score.
Where Zena's buildings actually sit
Of Zena's 194 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Zena ranks
Zena ranks lower within Oklahoma (43rd percentile statewide) than its 89th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Zena ranks 3,477 for wildfire risk (1 is highest) and 25,097 by building count (1 is largest). Within Oklahoma alone, it ranks 474 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
At the 89th percentile nationally, Zena 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.
Hardening a home in Zena
Zena's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 194 counted buildings into the percentiles shown above for Zena. For more on what direct exposure implies beyond Zena, see the exposure-zones guide.