Oakley, UT
Oakley wildfire risk explained
Oakley sits at the 94th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 1,022 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oakley at the 92nd national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Oakley's building exposure, zone by zone
Direct exposure dominates in Oakley: 89.3% of its 1,022 buildings, versus 10.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Oakley compares
Inside Utah, Oakley sits at just the 76th percentile even though it scores 94th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Oakley ranks 1,842 for wildfire risk (1 is highest) and 11,787 by building count (1 is largest). Within Utah alone, it ranks 80 of 326 places by risk. See the full county-by-county picture for Utah on its state page.
What this risk score means for insurance
Oakley's 94th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Oakley
Because Direct exposure dominates in Oakley (89.3%), 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
The methodology guide shows exactly how USFS turned 1,022 counted buildings into the percentiles shown above for Oakley. For more on what direct exposure implies beyond Oakley, see the exposure-zones guide.