Cosmos, MN
Cosmos wildfire risk explained
Cosmos's 343 buildings earn a 12th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cosmos's burn probability — fire likelihood with no building count factored in — sits at the 9th percentile nationally.
Cosmos's building exposure, zone by zone
Cosmos rates 93.3% Minimal exposure against just 6.7% Direct and 0% Indirect — of 343 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Cosmos against the rest of the country
Cosmos's risk sits at a similar level relative to Minnesota (16th percentile statewide) as it does nationally (12th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Cosmos ranks 27,773 for wildfire risk (1 is highest) and 20,489 by building count (1 is largest). Within Minnesota alone, it ranks 771 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Cosmos and the insurance market
Cosmos's low rating (12th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Cosmos
With 93.3% of buildings rated Minimal exposure, Cosmos gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Cosmos's figures come from
Cosmos's 12th-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 Cosmos's dominant minimal exposure actually means, with real examples from across the dataset.