Oakley, ID
Oakley, ID's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Oakley at the 94th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 556 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oakley at the 94th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Oakley's buildings actually sit
Of Oakley's 556 counted buildings, 57.4% carry Direct exposure and only 22.3% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Oakley ranks
Oakley's 94th national percentile looks worse in isolation than its 76th ranking inside Idaho does — this place is on the milder end for its own state, by 18 points. Among the 31,521 US communities USFS scores, Oakley ranks 1,794 for wildfire risk (1 is highest) and 16,471 by building count (1 is largest). Within Idaho alone, it ranks 56 of 232 places by risk. See the full county-by-county picture for Idaho on its state page.
What this risk score means for insurance
Oakley's very high rating (94th 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.
What would actually reduce this score
Because Direct exposure dominates in Oakley (57.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Oakley's 94th-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 Oakley, see the exposure-zones guide.