Osborn, MO
How exposed is Osborn to wildfire?
USFS scores Osborn at the 42nd national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 340 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Osborn at the 42nd percentile, close to its 42nd-percentile risk score.
Where Osborn's buildings actually sit
Most of Osborn's buildings (54.7% of 340) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Osborn against the rest of the country
Osborn ranks lower within Missouri (17th percentile statewide) than its 42nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Osborn ranks 18,309 for wildfire risk (1 is highest) and 20,575 by building count (1 is largest). Within Missouri alone, it ranks 884 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Osborn
Osborn's elevated wildfire rating (42nd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Osborn
With 54.7% of buildings rated Minimal exposure, Osborn gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Osborn's figures come from
Osborn's 42nd-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 Osborn's dominant minimal exposure actually means, with real examples from across the dataset.