Osceola, IN
How exposed is Osceola to wildfire?
USFS scores Osceola at the 6th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,427 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Osceola's burn probability — fire likelihood with no building count factored in — sits at the 7th percentile nationally.
Osceola's building exposure, zone by zone
Osceola rates 87.5% Minimal exposure against just 12.5% Direct and 0% Indirect — of 1,427 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Osceola against the rest of the country
Within Indiana, Osceola ranks higher (39th percentile) than it does nationally (6th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Osceola ranks 29,777 for wildfire risk (1 is highest) and 9,491 by building count (1 is largest). Within Indiana alone, it ranks 594 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Osceola and the insurance market
Osceola's low rating (6th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 87.5% of buildings rated Minimal exposure, Osceola gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Osceola's figures come from
Every one of the two percentiles behind Osceola's 29,777-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Osceola's dominant minimal exposure actually means, with real examples from across the dataset.