Oaks, OK
Oaks wildfire risk explained
Out of every US place USFS scores, Oaks lands at the 93rd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 182 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oaks at the 95th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Oaks's building exposure, zone by zone
Of Oaks's 182 counted buildings, 96.2% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Oaks compares
Oaks's 93rd national percentile looks worse in isolation than its 65th ranking inside Oklahoma does — this place is on the milder end for its own state, by 28 points. Among the 31,521 US communities USFS scores, Oaks ranks 2,246 for wildfire risk (1 is highest) and 25,563 by building count (1 is largest). Within Oklahoma alone, it ranks 301 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
What this risk score means for insurance
Oaks's very high rating (93rd 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.
Hardening a home in Oaks
Oaks's 96.2% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Oaks's 93rd-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 Oaks, see the exposure-zones guide.