Oak Island, TX
How exposed is Oak Island to wildfire?
Out of every US place USFS scores, Oak Island lands at the 92nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 286 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 Island at the 94th percentile, close to its 92nd-percentile risk score.
Oak Island's building exposure, zone by zone
USFS puts 49.3% of Oak Island's 286 buildings in the Indirect exposure zone, versus 45.8% Direct and 4.9% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Oak Island against the rest of the country
There's little gap between Oak Island's 92nd national percentile and its 89th percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Oak Island ranks 2,564 for wildfire risk (1 is highest) and 22,021 by building count (1 is largest). Within Texas alone, it ranks 197 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Oak Island
Oak Island's 92nd-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.
Hardening a home in Oak Island
Because 49.3% of Oak Island's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Oak Island's 92nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Oak Island, see the exposure-zones guide.