Oak Creek, WI
How exposed is Oak Creek to wildfire?
Oak Creek's 12,942 buildings earn a 31st-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oak Creek's burn probability — fire likelihood with no building count factored in — sits at the 32nd percentile nationally.
Where Oak Creek's buildings actually sit
USFS classifies 78.1% of Oak Creek's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 21.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 12,942 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Oak Creek ranks
Compare Oak Creek's two percentiles: 66th within Wisconsin, only 31st nationally — a gap of 35 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Oak Creek ranks 21,891 for wildfire risk (1 is highest) and 1,177 by building count (1 is largest). Within Wisconsin alone, it ranks 276 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
What this risk score means for insurance
Oak Creek's moderate rating (31st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Oak Creek
Even with 78.1% of Oak Creek outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Oak Creek's figures come from
The methodology guide shows exactly how USFS turned 12,942 counted buildings into the percentiles shown above for Oak Creek. The exposure-zones guide covers what Oak Creek's dominant minimal exposure actually means, with real examples from across the dataset.