Oak, NE
Oak, NE's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Oak lands at the 41st percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 75 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oak at the 38th national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
75 buildings are counted in Oak, and 74.7% of them are Indirect exposure — ember-driven risk rather than the 24% in Direct exposure or the 1.3% rated Minimal.
Where Oak ranks
Oak's 41st national percentile looks worse in isolation than its 25th ranking inside Nebraska does — this place is on the milder end for its own state, by 16 points. Among the 31,521 US communities USFS scores, Oak ranks 18,528 for wildfire risk (1 is highest) and 30,097 by building count (1 is largest). Within Nebraska alone, it ranks 439 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Oak and the insurance market
At the 41st national percentile, Oak rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Oak's 74.7% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Oak's figures come from
The methodology guide shows exactly how USFS turned 75 counted buildings into the percentiles shown above for Oak. The exposure-zones guide covers what Oak's dominant indirect exposure actually means, with real examples from across the dataset.