Oxford, OH
Oxford, OH's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Oxford at the 18th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 4,450 actual buildings. (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 19th percentile, close to its 18th-percentile risk score.
Oxford's building exposure, zone by zone
48.9% of Oxford's 4,450 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 32.5% Direct and 18.6% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Oxford ranks
Oxford's 48th-percentile standing inside Ohio outpaces its 18th 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 25,856 for wildfire risk (1 is highest) and 3,839 by building count (1 is largest). Within Ohio alone, it ranks 662 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Oxford and the insurance market
At the 18th 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
With ember exposure the dominant pattern in Oxford (48.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Oxford's figures come from
Oxford's 18th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Oxford's dominant indirect exposure actually means, with real examples from across the dataset.