Oak Point, TX
How exposed is Oak Point to wildfire?
USFS scores Oak Point at the 68th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 1,848 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oak Point's burn probability — fire likelihood with no building count factored in — sits at the 69th percentile nationally.
Oak Point's building exposure, zone by zone
Direct exposure dominates in Oak Point: 70.8% of its 1,848 buildings, versus 29% Indirect and 0.3% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Oak Point compares
Oak Point's 68th national percentile looks worse in isolation than its 27th ranking inside Texas does — this place is on the milder end for its own state, by 41 points. Among the 31,521 US communities USFS scores, Oak Point ranks 9,974 for wildfire risk (1 is highest) and 7,918 by building count (1 is largest). Within Texas alone, it ranks 1,308 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Oak Point
Oak Point's 68th-percentile, 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.
Lowering exposure, not just insuring around it
Oak Point's 70.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Oak Point's 68th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Oak Point, see the exposure-zones guide.