Onamia, MN
How exposed is Onamia to wildfire?
Out of every US place USFS scores, Onamia lands at the 76th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 417 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Onamia at the 72nd percentile, close to its 76th-percentile risk score.
Onamia's building exposure, zone by zone
Indirect exposure is dominant in Onamia (75.8% of 417 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 24.2% sit in the Direct zone.
How Onamia compares
Onamia's 96th-percentile standing inside Minnesota outpaces its 76th 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, Onamia ranks 7,658 for wildfire risk (1 is highest) and 18,882 by building count (1 is largest). Within Minnesota alone, it ranks 35 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Onamia and the insurance market
Onamia's 76th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Because 75.8% of Onamia's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Onamia's figures come from
Onamia's 76th-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 Onamia's dominant indirect exposure actually means, with real examples from across the dataset.