Oxford, IN
Oxford wildfire risk explained
Oxford's 759 buildings earn a 1st-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (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 1st percentile nationally.
Oxford's building exposure, zone by zone
Only 17.3% of Oxford's 759 buildings carry Direct exposure and 0% carry Indirect; the remaining 82.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Oxford against the rest of the country
There's little gap between Oxford's 1st national percentile and its 9th percentile inside Indiana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Oxford ranks 31,138 for wildfire risk (1 is highest) and 14,029 by building count (1 is largest). Within Indiana alone, it ranks 878 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Oxford and the insurance market
Oxford's low wildfire rating (1st 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.
What would actually reduce this score
With 82.7% of buildings rated Minimal exposure, Oxford gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Oxford's 1st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Oxford, see the exposure-zones guide.