Oakwood, OK
How exposed is Oakwood to wildfire?
Out of every US place USFS scores, Oakwood lands at the 84th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 88 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oakwood at the 83rd national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Oakwood's buildings actually sit
53.4% of Oakwood's 88 buildings sit in USFS's Direct exposure zone, roughly 47 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 46.6% are Minimal.
Oakwood against the rest of the country
Oakwood's 84th national percentile looks worse in isolation than its 30th ranking inside Oklahoma does — this place is on the milder end for its own state, by 54 points. Among the 31,521 US communities USFS scores, Oakwood ranks 5,022 for wildfire risk (1 is highest) and 29,592 by building count (1 is largest). Within Oklahoma alone, it ranks 588 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
Oakwood's very high rating (84th 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 Oakwood
Because Direct exposure dominates in Oakwood (53.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 88 counted buildings into the percentiles shown above for Oakwood. For more on what direct exposure implies beyond Oakwood, see the exposure-zones guide.