Oakland (Cambria), PA
How exposed is Oakland (Cambria) to wildfire?
Oakland (Cambria)'s 879 buildings earn a 30th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oakland (Cambria) at the 30th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Oakland (Cambria)'s building exposure, zone by zone
62.6% of Oakland (Cambria)'s 879 buildings sit in USFS's Minimal exposure zone, with only 37.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Oakland (Cambria) against the rest of the country
There's little gap between Oakland (Cambria)'s 30th national percentile and its 39th percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Oakland (Cambria) ranks 22,012 for wildfire risk (1 is highest) and 12,921 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,223 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Oakland (Cambria) and the insurance market
Oakland (Cambria)'s moderate rating (30th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 62.6% of Oakland (Cambria) 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
Oakland (Cambria)'s 30th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Oakland (Cambria), see the exposure-zones guide.