Oakland, TN
Oakland wildfire risk explained
USFS scores Oakland at the 64th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 4,089 real buildings rather than raw vegetation cover. (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 67th percentile, close to its 64th-percentile risk score.
Where Oakland's buildings actually sit
Most of Oakland's buildings (64%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Oakland ranks
Oakland scores 64th nationally and 56th within Tennessee — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Oakland ranks 11,357 for wildfire risk (1 is highest) and 4,152 by building count (1 is largest). Within Tennessee alone, it ranks 221 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Shopping for coverage in Oakland
Oakland's high rating (64th 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.
Hardening a home in Oakland
Oakland's 64% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Oakland's figures come from
Every one of the two percentiles behind Oakland's 11,357-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Oakland's dominant indirect exposure actually means, with real examples from across the dataset.