Oak Ridge North, TX
Oak Ridge North, TX's wildfire risk, in USFS's own numbers
USFS scores Oak Ridge North at the 51st national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,655 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 North at the 52nd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Oak Ridge North's building exposure, zone by zone
Most of Oak Ridge North's buildings (53.5% of 1,655) 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.
Where Oak Ridge North ranks
Oak Ridge North's 51st national percentile looks worse in isolation than its 7th ranking inside Texas does — this place is on the milder end for its own state, by 44 points. Among the 31,521 US communities USFS scores, Oak Ridge North ranks 15,362 for wildfire risk (1 is highest) and 8,576 by building count (1 is largest). Within Texas alone, it ranks 1,671 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 North's elevated wildfire rating (51st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Oak Ridge North
Even with 53.5% of Oak Ridge North 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.
More on how this number was built
Every one of the two percentiles behind Oak Ridge North's 15,362-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Oak Ridge North, see the exposure-zones guide.