Oak Level, VA
Oak Level wildfire risk explained
USFS's Wildfire Risk to Communities model puts Oak Level at the 41st national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 632 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oak Level's burn probability — fire likelihood with no building count factored in — sits at the 43rd percentile nationally.
Oak Level's building exposure, zone by zone
Direct exposure dominates in Oak Level: 95.1% of its 632 buildings, versus 4.9% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Oak Level compares
Oak Level's risk sits at a similar level relative to Virginia (36th percentile statewide) as it does nationally (41st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Oak Level ranks 18,547 for wildfire risk (1 is highest) and 15,444 by building count (1 is largest). Within Virginia alone, it ranks 438 of 681 places by risk. See the full county-by-county picture for Virginia on its state page.
Oak Level and the insurance market
Oak Level's elevated wildfire rating (41st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Because Direct exposure dominates in Oak Level (95.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Oak Level's figures come from
Oak Level's 41st-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 Level's dominant direct exposure actually means, with real examples from across the dataset.