Oakville, WA
Oakville wildfire risk explained
Out of every US place USFS scores, Oakville lands at the 30th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 505 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Oakville at the 32nd percentile, close to its 30th-percentile risk score.
What "at risk" means for the buildings here
USFS puts 86.9% of Oakville's 505 buildings in the Indirect exposure zone, versus 13.1% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Oakville compares
Oakville's 49th-percentile standing inside Washington outpaces its 30th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Oakville ranks 22,204 for wildfire risk (1 is highest) and 17,261 by building count (1 is largest). Within Washington alone, it ranks 323 of 628 places by risk. See the full county-by-county picture for Washington on its state page.
What this risk score means for insurance
Oakville's moderate rating (30th 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
Oakville's 86.9% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 505 counted buildings into the percentiles shown above for Oakville. For more on what indirect exposure implies beyond Oakville, see the exposure-zones guide.