Oaks, PA
Oaks, PA's wildfire risk, in USFS's own numbers
Oaks sits at the 11th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 662 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oaks at the 10th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 63% of Oaks's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 37% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Oaks compares
Oaks's risk sits at a similar level relative to Pennsylvania (9th percentile statewide) as it does nationally (11th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Oaks ranks 28,187 for wildfire risk (1 is highest) and 15,042 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,817 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Shopping for coverage in Oaks
Oaks's low wildfire rating (11th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Even with 63% of Oaks 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
Every one of the two percentiles behind Oaks's 28,187-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Oaks, see the exposure-zones guide.