Oakdale, TN
Oakdale, TN's wildfire risk, in USFS's own numbers
USFS scores Oakdale at the 83rd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 131 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oakdale at the 86th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Oakdale's building exposure, zone by zone
131 buildings are counted in Oakdale, and 75.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Oakdale compares
There's little gap between Oakdale's 83rd national percentile and its 92nd percentile inside Tennessee, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Oakdale ranks 5,335 for wildfire risk (1 is highest) and 27,692 by building count (1 is largest). Within Tennessee alone, it ranks 44 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
What this risk score means for insurance
Oakdale's very high rating (83rd 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.
What would actually reduce this score
With 75.6% of Oakdale in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Oakdale's 83rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Oakdale, see the exposure-zones guide.