Osburn, ID
Osburn wildfire risk explained
USFS scores Osburn at the 85th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,132 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Osburn's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
Where Osburn's buildings actually sit
93.6% of Osburn's 1,132 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 6.4% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Osburn compares
Osburn's 85th national percentile looks worse in isolation than its 55th ranking inside Idaho does — this place is on the milder end for its own state, by 30 points. Among the 31,521 US communities USFS scores, Osburn ranks 4,852 for wildfire risk (1 is highest) and 11,065 by building count (1 is largest). Within Idaho alone, it ranks 105 of 232 places by risk. See the full county-by-county picture for Idaho on its state page.
What this risk score means for insurance
At the 85th percentile nationally, Osburn carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Osburn
With ember exposure the dominant pattern in Osburn (93.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Osburn's figures come from
The methodology guide shows exactly how USFS turned 1,132 counted buildings into the percentiles shown above for Osburn. The exposure-zones guide covers what Osburn's dominant indirect exposure actually means, with real examples from across the dataset.