Oak City, UT
Oak City wildfire risk explained
Out of every US place USFS scores, Oak City lands at the 93rd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 446 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oak City's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Oak City: 71.3% of its 446 buildings, versus 28.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Oak City against the rest of the country
Inside Utah, Oak City sits at just the 68th percentile even though it scores 93rd 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, Oak City ranks 2,250 for wildfire risk (1 is highest) and 18,358 by building count (1 is largest). Within Utah alone, it ranks 106 of 326 places by risk. See the full county-by-county picture for Utah on its state page.
What this risk score means for insurance
Oak City's 93rd-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.
Lowering exposure, not just insuring around it
With 71.3% of Oak City 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
Every one of the two percentiles behind Oak City's 2,250-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Oak City, see the exposure-zones guide.