Oak Leaf, TX
How exposed is Oak Leaf to wildfire?
Out of every US place USFS scores, Oak Leaf lands at the 72nd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 783 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 Leaf at the 70th percentile, close to its 72nd-percentile risk score.
Where Oak Leaf's buildings actually sit
783 buildings are counted in Oak Leaf, and 93.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Oak Leaf ranks
Oak Leaf's 72nd national percentile looks worse in isolation than its 37th ranking inside Texas does — this place is on the milder end for its own state, by 36 points. Among the 31,521 US communities USFS scores, Oak Leaf ranks 8,838 for wildfire risk (1 is highest) and 13,794 by building count (1 is largest). Within Texas alone, it ranks 1,139 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
What this risk score means for insurance
At the 72nd percentile nationally, Oak Leaf carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Oak Leaf
Because Direct exposure dominates in Oak Leaf (93.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Oak Leaf's figures come from
The methodology guide shows exactly how USFS turned 783 counted buildings into the percentiles shown above for Oak Leaf. The exposure-zones guide covers what Oak Leaf's dominant direct exposure actually means, with real examples from across the dataset.