Oxford, NE
How exposed is Oxford to wildfire?
USFS scores Oxford at the 31st national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 645 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oxford at the 28th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Oxford's building exposure, zone by zone
Most of Oxford's buildings (88.2% of 645) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Oxford against the rest of the country
There's little gap between Oxford's 31st national percentile and its 17th percentile inside Nebraska, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Oxford ranks 21,687 for wildfire risk (1 is highest) and 15,265 by building count (1 is largest). Within Nebraska alone, it ranks 487 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Oxford and the insurance market
Oxford's moderate rating (31st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 88.2% of Oxford outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Oxford's 31st-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.