Oakland, KY
Oakland, KY's wildfire risk, in USFS's own numbers
USFS scores Oakland at the 10th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 183 real buildings rather than raw vegetation cover. (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 11th percentile nationally.
Where Oakland's buildings actually sit
77.1% of Oakland's 183 buildings sit in USFS's Direct exposure zone, roughly 141 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 23% are Minimal.
Where Oakland ranks
Oakland's risk sits at a similar level relative to Kentucky (5th percentile statewide) as it does nationally (10th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Oakland ranks 28,430 for wildfire risk (1 is highest) and 25,501 by building count (1 is largest). Within Kentucky alone, it ranks 523 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
What this risk score means for insurance
Oakland's low rating (10th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Oakland
Oakland's 77.1% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Oakland's 10th-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 Oakland, see the exposure-zones guide.