Oakley, MI
Oakley, MI's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Oakley lands at the 7th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 249 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oakley at the 7th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Oakley's building exposure, zone by zone
Most of Oakley's buildings (77.9% of 249) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Oakley ranks
Oakley scores 7th nationally and 20th within Michigan — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Oakley ranks 29,309 for wildfire risk (1 is highest) and 23,170 by building count (1 is largest). Within Michigan alone, it ranks 594 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Oakley
Oakley's low rating (7th 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 Oakley
Even with 77.9% of Oakley outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Oakley's 7th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Oakley, see the exposure-zones guide.