Oak Hills, CA
How exposed is Oak Hills to wildfire?
Out of every US place USFS scores, Oak Hills lands at the 94th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 4,900 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 Oak Hills at the 92nd percentile, close to its 94th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Oak Hills: 72.2% of its 4,900 buildings, versus 2.6% Indirect and 25.3% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Oak Hills ranks
Oak Hills's 94th national percentile looks worse in isolation than its 71st ranking inside California does — this place is on the milder end for its own state, by 23 points. Among the 31,521 US communities USFS scores, Oak Hills ranks 1,943 for wildfire risk (1 is highest) and 3,493 by building count (1 is largest). Within California alone, it ranks 462 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Oak Hills and the insurance market
Oak Hills sits in California, one of two states that legally require a wildfire-risk disclosure at sale. California's FAIR Plan, the state's insurer of last resort, ended 2025 with 668,609 residential policies after adding 21,859 in Q4 alone — the kind of market shift a 94th-percentile score like Oak Hills's can end up mattering for. More on the disclosure law.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Oak Hills (72.2%), 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 4,900 counted buildings into the percentiles shown above for Oak Hills. For more on what direct exposure implies beyond Oak Hills, see the exposure-zones guide.