Oak Valley, TX
How exposed is Oak Valley to wildfire?
Out of every US place USFS scores, Oak Valley lands at the 82nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 313 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Oak Valley at the 83rd percentile, close to its 82nd-percentile risk score.
Oak Valley's building exposure, zone by zone
Of Oak Valley's 313 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Oak Valley ranks
Oak Valley ranks lower within Texas (65th percentile statewide) than its 82nd 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 Valley ranks 5,751 for wildfire risk (1 is highest) and 21,299 by building count (1 is largest). Within Texas alone, it ranks 624 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Oak Valley and the insurance market
Oak Valley's 82nd-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.
Hardening a home in Oak Valley
Oak Valley's 100% 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
The methodology guide shows exactly how USFS turned 313 counted buildings into the percentiles shown above for Oak Valley. For more on what direct exposure implies beyond Oak Valley, see the exposure-zones guide.