Oak Ridge (Kaufman), TX
Oak Ridge (Kaufman) wildfire risk explained
Oak Ridge (Kaufman) sits at the 76th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 423 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oak Ridge (Kaufman) at the 76th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Oak Ridge (Kaufman)'s buildings actually sit
100% of Oak Ridge (Kaufman)'s 423 buildings sit in USFS's Direct exposure zone, roughly 423 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Oak Ridge (Kaufman) ranks
Oak Ridge (Kaufman) ranks lower within Texas (48th percentile statewide) than its 76th 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 (Kaufman) ranks 7,736 for wildfire risk (1 is highest) and 18,785 by building count (1 is largest). Within Texas alone, it ranks 942 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 (Kaufman)'s high rating (76th 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.
Hardening a home in Oak Ridge (Kaufman)
Because Direct exposure dominates in Oak Ridge (Kaufman) (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Oak Ridge (Kaufman)'s figures come from
Oak Ridge (Kaufman)'s 76th-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 Ridge (Kaufman)'s dominant direct exposure actually means, with real examples from across the dataset.