Oakwood, PA
How exposed is Oakwood to wildfire?
USFS scores Oakwood at the 28th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,413 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oakwood's burn probability — fire likelihood with no building count factored in — sits at the 29th percentile nationally.
Where Oakwood's buildings actually sit
40.2% of Oakwood's 1,413 buildings sit in USFS's Direct exposure zone, roughly 568 structures close enough to burnable vegetation for flame contact, not just embers — 20% fall in the Indirect, ember-only zone and 39.8% are Minimal.
Where Oakwood ranks
Oakwood's risk sits at a similar level relative to Pennsylvania (35th percentile statewide) as it does nationally (28th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Oakwood ranks 22,547 for wildfire risk (1 is highest) and 9,572 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,296 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Oakwood and the insurance market
Oakwood's moderate wildfire rating (28th 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.
Hardening a home in Oakwood
Oakwood's 40.2% 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
Every one of the two percentiles behind Oakwood's 22,547-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Oakwood, see the exposure-zones guide.