Oakland, IL
How exposed is Oakland to wildfire?
Oakland sits at the 9th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 711 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Oakland at the 8th percentile, close to its 9th-percentile risk score.
Oakland's building exposure, zone by zone
Oakland rates 85.1% Minimal exposure against just 14.9% Direct and 0% Indirect — of 711 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Oakland compares
Within Illinois, Oakland ranks higher (39th percentile) than it does nationally (9th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Oakland ranks 28,832 for wildfire risk (1 is highest) and 14,544 by building count (1 is largest). Within Illinois alone, it ranks 879 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Oakland
Oakland's low rating (9th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 85.1% 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.
Where Oakland's figures come from
The methodology guide shows exactly how USFS turned 711 counted buildings into the percentiles shown above for Oakland. The exposure-zones guide covers what Oakland's dominant minimal exposure actually means, with real examples from across the dataset.