Oakwood, TX
Oakwood, TX's wildfire risk, in USFS's own numbers
Oakwood sits at the 78th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 334 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Oakwood at the 80th percentile, close to its 78th-percentile risk score.
Oakwood's building exposure, zone by zone
334 buildings are counted in Oakwood, and 74.9% of them are Indirect exposure — ember-driven risk rather than the 25.2% in Direct exposure or the 0% rated Minimal.
Where Oakwood ranks
Oakwood's 78th national percentile looks worse in isolation than its 54th ranking inside Texas does — this place is on the milder end for its own state, by 24 points. Among the 31,521 US communities USFS scores, Oakwood ranks 7,102 for wildfire risk (1 is highest) and 20,728 by building count (1 is largest). Within Texas alone, it ranks 827 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Oakwood and the insurance market
At the 78th percentile nationally, Oakwood carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Oakwood (74.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Oakwood's figures come from
Every one of the two percentiles behind Oakwood's 7,102-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Oakwood's dominant indirect exposure actually means, with real examples from across the dataset.