Red Oak, TX
Red Oak wildfire risk explained
Red Oak's 5,727 buildings earn a 70th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Red Oak at the 69th percentile, close to its 70th-percentile risk score.
Where Red Oak's buildings actually sit
Direct exposure dominates in Red Oak: 37.4% of its 5,727 buildings, versus 28.7% Indirect and 33.9% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap. At 5,727 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Red Oak against the rest of the country
Red Oak ranks lower within Texas (32nd percentile statewide) than its 70th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Red Oak ranks 9,342 for wildfire risk (1 is highest) and 3,020 by building count (1 is largest). Within Texas alone, it ranks 1,223 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Red Oak
At the 70th percentile nationally, Red Oak carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Red Oak's 37.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Red Oak's figures come from
Red Oak's 70th-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 Red Oak's dominant direct exposure actually means, with real examples from across the dataset.