Oxford, ME
Oxford, ME's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Oxford at the 14th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 842 actual buildings. (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 14th percentile nationally.
Oxford's building exposure, zone by zone
Of Oxford's 842 counted buildings, 69.2% carry Direct exposure and only 1.1% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Oxford against the rest of the country
Compare Oxford's two percentiles: 67th within Maine, only 14th nationally — a gap of 53 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Oxford ranks 27,228 for wildfire risk (1 is highest) and 13,231 by building count (1 is largest). Within Maine alone, it ranks 52 of 155 places by risk. See the full county-by-county picture for Maine on its state page.
What this risk score means for insurance
Oxford's low wildfire rating (14th 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
Because Direct exposure dominates in Oxford (69.2%), 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
Oxford's 14th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Oxford, see the exposure-zones guide.