Osceola, MO
How exposed is Osceola to wildfire?
Osceola's 503 buildings earn a 74th-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Osceola at the 76th percentile, close to its 74th-percentile risk score.
Osceola's building exposure, zone by zone
USFS classifies 50.5% of Osceola's buildings as Direct exposure, higher than its 49.5% Indirect share and far above its 0% Minimal share — a profile where 254 structures sit close enough to vegetation that lot clearing matters most.
Where Osceola ranks
Osceola's 90th-percentile standing inside Missouri outpaces its 74th 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, Osceola ranks 8,128 for wildfire risk (1 is highest) and 17,287 by building count (1 is largest). Within Missouri alone, it ranks 108 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Osceola
Osceola's 74th-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.
Lowering exposure, not just insuring around it
Osceola's 50.5% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Osceola's 74th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Osceola, see the exposure-zones guide.