Oxford, PA
How exposed is Oxford to wildfire?
Oxford sits at the 9th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 1,575 counted buildings, not vegetation cover alone. (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 9th percentile nationally.
Oxford's building exposure, zone by zone
USFS classifies 70.6% of Oxford's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 29.4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Oxford ranks
There's little gap between Oxford's 9th national percentile and its 6th percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Oxford ranks 28,822 for wildfire risk (1 is highest) and 8,860 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,869 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Shopping for coverage in Oxford
Oxford's low rating (9th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 70.6% 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
Every one of the two percentiles behind Oxford's 28,822-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Oxford, see the exposure-zones guide.