Oak Ridge (Cooke), TX
How exposed is Oak Ridge (Cooke) to wildfire?
Oak Ridge (Cooke) sits at the 90th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 118 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oak Ridge (Cooke)'s burn probability — fire likelihood with no building count factored in — sits at the 91st percentile nationally.
Where Oak Ridge (Cooke)'s buildings actually sit
Most of Oak Ridge (Cooke)'s buildings (70.3%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Oak Ridge (Cooke) against the rest of the country
Oak Ridge (Cooke) scores 90th nationally and 83rd within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Oak Ridge (Cooke) ranks 3,226 for wildfire risk (1 is highest) and 28,278 by building count (1 is largest). Within Texas alone, it ranks 299 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
Oak Ridge (Cooke)'s 90th-percentile, very 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
Because 70.3% of Oak Ridge (Cooke)'s buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Oak Ridge (Cooke)'s 90th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Oak Ridge (Cooke), see the exposure-zones guide.