Oxford, MI
Oxford, MI's wildfire risk, in USFS's own numbers
USFS scores Oxford at the 11th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,568 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Oxford at the 12th percentile, close to its 11th-percentile risk score.
Where Oxford's buildings actually sit
84.5% of Oxford's 1,568 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 9.8% Direct and 5.7% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Oxford ranks
Oxford's 39th-percentile standing inside Michigan outpaces its 11th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Oxford ranks 27,956 for wildfire risk (1 is highest) and 8,896 by building count (1 is largest). Within Michigan alone, it ranks 455 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
What this risk score means for insurance
At the 11th national percentile, Oxford rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Oxford's 84.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,568 counted buildings into the percentiles shown above for Oxford. For more on what indirect exposure implies beyond Oxford, see the exposure-zones guide.