Oakland City, IN
Oakland City, IN's wildfire risk, in USFS's own numbers
USFS scores Oakland City at the 20th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,383 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oakland City at the 20th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Oakland City's buildings actually sit
Only 8.2% of Oakland City's 1,383 buildings carry Direct exposure and 17.1% carry Indirect; the remaining 74.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Oakland City against the rest of the country
Compare Oakland City's two percentiles: 80th within Indiana, only 20th nationally — a gap of 60 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Oakland City ranks 25,212 for wildfire risk (1 is highest) and 9,698 by building count (1 is largest). Within Indiana alone, it ranks 193 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Oakland City
Oakland City's low wildfire rating (20th 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.
What would actually reduce this score
With 74.7% of buildings rated Minimal exposure, Oakland City gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Oakland City's figures come from
Every one of the two percentiles behind Oakland City's 25,212-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Oakland City's dominant minimal exposure actually means, with real examples from across the dataset.