Oakland, NE
Oakland, NE's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Oakland lands at the 71st percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 831 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oakland at the 65th national percentile — 5 points below its risk-to-structures score, a gap driven by how much is actually built there.
Oakland's building exposure, zone by zone
90.9% of Oakland's 831 buildings sit in USFS's Minimal exposure zone, with only 9.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Oakland against the rest of the country
Oakland's risk sits at a similar level relative to Nebraska (71st percentile statewide) as it does nationally (71st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Oakland ranks 9,235 for wildfire risk (1 is highest) and 13,336 by building count (1 is largest). Within Nebraska alone, it ranks 170 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Oakland and the insurance market
Oakland's high rating (71st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Oakland's 90.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Oakland's figures come from
The methodology guide shows exactly how USFS turned 831 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.