Oaks, MO
Oaks wildfire risk explained
Oaks sits at the 57th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 68 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Oaks at the 61st percentile, close to its 57th-percentile risk score.
Oaks's building exposure, zone by zone
Direct exposure dominates in Oaks: 64.7% of its 68 buildings, versus 0% Indirect and 35.3% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Oaks compares
There's little gap between Oaks's 57th national percentile and its 47th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Oaks ranks 13,552 for wildfire risk (1 is highest) and 30,357 by building count (1 is largest). Within Missouri alone, it ranks 563 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Oaks and the insurance market
At the 57th national percentile, Oaks rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Oaks
Because Direct exposure dominates in Oaks (64.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Oaks's figures come from
Oaks's 57th-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 Oaks's dominant direct exposure actually means, with real examples from across the dataset.