Oakley, CA
Oakley wildfire risk explained
Oakley's 14,623 buildings earn a 85th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oakley at the 85th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Oakley's building exposure, zone by zone
USFS puts 48.6% of Oakley's 14,623 buildings in the Indirect exposure zone, versus 10.5% Direct and 40.9% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 14,623 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Oakley against the rest of the country
Oakley's 85th national percentile looks worse in isolation than its 49th ranking inside California does — this place is on the milder end for its own state, by 36 points. Among the 31,521 US communities USFS scores, Oakley ranks 4,879 for wildfire risk (1 is highest) and 1,020 by building count (1 is largest). Within California alone, it ranks 803 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Oakley
Oakley's 85th-percentile score lands in California, the only two states requiring a wildfire disclosure at sale. California's surplus-lines homeowners market passed 300,000 policies for the first time in 2025, driven by carriers pulling back from wildfire-exposed areas statewide. The disclosure-law guide covers what it requires.
What would actually reduce this score
With ember exposure the dominant pattern in Oakley (48.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Oakley's figures come from
Oakley's 85th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Oakley's dominant indirect exposure actually means, with real examples from across the dataset.