Ogema, MN
Ogema, MN's wildfire risk, in USFS's own numbers
USFS scores Ogema at the 81st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 142 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ogema at the 77th national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
142 buildings are counted in Ogema, and 81% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Ogema against the rest of the country
Ogema's 98th-percentile standing inside Minnesota outpaces its 81st 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, Ogema ranks 6,051 for wildfire risk (1 is highest) and 27,210 by building count (1 is largest). Within Minnesota alone, it ranks 18 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
What this risk score means for insurance
Ogema's very high rating (81st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Ogema
Ogema's 81% 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 Ogema's figures come from
The methodology guide shows exactly how USFS turned 142 counted buildings into the percentiles shown above for Ogema. The exposure-zones guide covers what Ogema's dominant direct exposure actually means, with real examples from across the dataset.