Oakland, FL
How exposed is Oakland to wildfire?
Oakland's 1,471 buildings earn a 75th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oakland's burn probability — fire likelihood with no building count factored in — sits at the 74th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 38.5% of Oakland's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 30.3% Direct and 31.2% Indirect — a landscape-level risk rather than a building-by-building one.
Oakland against the rest of the country
Inside Florida, Oakland sits at just the 36th percentile even though it scores 75th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Oakland ranks 7,937 for wildfire risk (1 is highest) and 9,306 by building count (1 is largest). Within Florida alone, it ranks 611 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Oakland and the insurance market
At the 75th percentile nationally, Oakland carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Oakland
Even with 38.5% of Oakland 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's 75th-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, see the exposure-zones guide.