Oakville, CT
Oakville wildfire risk explained
USFS scores Oakville at the 38th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 3,964 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oakville at the 37th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Oakville's buildings actually sit
USFS puts 52.4% of Oakville's 3,964 buildings in the Indirect exposure zone, versus 16% Direct and 31.6% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Oakville compares
Compare Oakville's two percentiles: 73rd within Connecticut, only 38th nationally — a gap of 35 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Oakville ranks 19,438 for wildfire risk (1 is highest) and 4,278 by building count (1 is largest). Within Connecticut alone, it ranks 59 of 214 places by risk. See the full county-by-county picture for Connecticut on its state page.
Shopping for coverage in Oakville
Oakville's moderate rating (38th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Oakville (52.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Oakville's figures come from
Oakville's 38th-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 Oakville's dominant indirect exposure actually means, with real examples from across the dataset.