Oak Ridge, FL
How exposed is Oak Ridge to wildfire?
USFS scores Oak Ridge at the 75th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 4,270 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oak Ridge at the 73rd national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Oak Ridge's building exposure, zone by zone
Most of Oak Ridge's buildings (93.6% of 4,270) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Oak Ridge against the rest of the country
Oak Ridge ranks lower within Florida (36th percentile statewide) than its 75th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Oak Ridge ranks 7,964 for wildfire risk (1 is highest) and 4,000 by building count (1 is largest). Within Florida alone, it ranks 613 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Oak Ridge
Oak Ridge's high rating (75th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Even with 93.6% of Oak Ridge 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 Ridge's figures come from
Every one of the two percentiles behind Oak Ridge's 7,964-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Oak Ridge's dominant minimal exposure actually means, with real examples from across the dataset.