Osage, IA
Osage, IA's wildfire risk, in USFS's own numbers
Osage's 2,333 buildings earn a 23rd-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Osage at the 23rd national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Osage's building exposure, zone by zone
93.5% of Osage's 2,333 buildings sit in USFS's Minimal exposure zone, with only 6.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Osage against the rest of the country
There's little gap between Osage's 23rd national percentile and its 36th percentile inside Iowa, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Osage ranks 24,326 for wildfire risk (1 is highest) and 6,638 by building count (1 is largest). Within Iowa alone, it ranks 652 of 1,017 places by risk. See the full county-by-county picture for Iowa on its state page.
Osage and the insurance market
Osage's moderate rating (23rd 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 93.5% of Osage 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
The methodology guide shows exactly how USFS turned 2,333 counted buildings into the percentiles shown above for Osage. For more on what minimal exposure implies beyond Osage, see the exposure-zones guide.