Osage, MN
Osage, MN's wildfire risk, in USFS's own numbers
Osage's 381 buildings earn a 63rd-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.)
Separately from the risk score above, Osage's burn probability — fire likelihood with no building count factored in — sits at the 58th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Osage: 87.1% of its 381 buildings, versus 12.1% Indirect and 0.8% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Osage ranks
Osage's 89th-percentile standing inside Minnesota outpaces its 63rd 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, Osage ranks 11,569 for wildfire risk (1 is highest) and 19,621 by building count (1 is largest). Within Minnesota alone, it ranks 105 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Osage
Osage's 63rd-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.
Hardening a home in Osage
Because Direct exposure dominates in Osage (87.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 381 counted buildings into the percentiles shown above for Osage. For more on what direct exposure implies beyond Osage, see the exposure-zones guide.