Oxford, GA
Oxford, GA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Oxford lands at the 57th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 761 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oxford's burn probability — fire likelihood with no building count factored in — sits at the 60th percentile nationally.
Where Oxford's buildings actually sit
Direct exposure dominates in Oxford: 90.9% of its 761 buildings, versus 9.1% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Oxford against the rest of the country
Inside Georgia, Oxford sits at just the 14th percentile even though it scores 57th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Oxford ranks 13,512 for wildfire risk (1 is highest) and 14,005 by building count (1 is largest). Within Georgia alone, it ranks 574 of 669 places by risk. See the full county-by-county picture for Georgia on its state page.
What this risk score means for insurance
Oxford's elevated wildfire rating (57th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Oxford (90.9%), 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 761 counted buildings into the percentiles shown above for Oxford. For more on what direct exposure implies beyond Oxford, see the exposure-zones guide.