Oak Park, MI
Oak Park, MI's wildfire risk, in USFS's own numbers
USFS scores Oak Park at the 3rd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 11,601 real buildings rather than raw vegetation cover. (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 Park at the 4th percentile, close to its 3rd-percentile risk score.
What "at risk" means for the buildings here
99.4% of Oak Park's 11,601 buildings sit in USFS's Minimal exposure zone, with only 0.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 11,601 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Oak Park compares
Oak Park's risk sits at a similar level relative to Michigan (5th percentile statewide) as it does nationally (3rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Oak Park ranks 30,548 for wildfire risk (1 is highest) and 1,355 by building count (1 is largest). Within Michigan alone, it ranks 706 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
What this risk score means for insurance
Oak Park's low rating (3rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 99.4% of Oak Park outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Oak Park's figures come from
Oak Park's 3rd-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 Park's dominant minimal exposure actually means, with real examples from across the dataset.