Osage, OK
Osage wildfire risk explained
USFS's Wildfire Risk to Communities model puts Osage at the 90th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 126 actual buildings. (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 92nd percentile nationally.
Where Osage's buildings actually sit
Of Osage's 126 counted buildings, 92.1% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Osage against the rest of the country
Osage ranks lower within Oklahoma (46th percentile statewide) than its 90th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Osage ranks 3,286 for wildfire risk (1 is highest) and 27,914 by building count (1 is largest). Within Oklahoma alone, it ranks 451 of 834 places by risk. See the full county-by-county picture for Oklahoma on its state page.
What this risk score means for insurance
Osage's very high rating (90th 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.
What would actually reduce this score
Because Direct exposure dominates in Osage (92.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Osage's figures come from
Osage's 90th-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 Osage's dominant direct exposure actually means, with real examples from across the dataset.