Oak Hill, FL
Oak Hill wildfire risk explained
USFS's Wildfire Risk to Communities model puts Oak Hill at the 94th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,496 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oak Hill at the 94th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Oak Hill's building exposure, zone by zone
Direct exposure dominates in Oak Hill: 59.5% of its 1,496 buildings, versus 35% Indirect and 5.6% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Oak Hill compares
Oak Hill's risk sits at a similar level relative to Florida (89th percentile statewide) as it does nationally (94th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Oak Hill ranks 1,949 for wildfire risk (1 is highest) and 9,186 by building count (1 is largest). Within Florida alone, it ranks 108 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Oak Hill and the insurance market
Oak Hill's very high rating (94th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Oak Hill
Oak Hill's 59.5% 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.
Where Oak Hill's figures come from
Oak Hill's 94th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Oak Hill's dominant direct exposure actually means, with real examples from across the dataset.