Osceola, NE
Osceola, NE's wildfire risk, in USFS's own numbers
USFS scores Osceola at the 10th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 632 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 8th percentile nationally.
Where Osceola's buildings actually sit
Most of Osceola's buildings (90% of 632) 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.
How Osceola compares
Osceola's risk sits at a similar level relative to Nebraska (5th percentile statewide) as it does nationally (10th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Osceola ranks 28,377 for wildfire risk (1 is highest) and 15,437 by building count (1 is largest). Within Nebraska alone, it ranks 555 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
What this risk score means for insurance
Osceola's low wildfire rating (10th 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 Osceola
Osceola's 90% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 632 counted buildings into the percentiles shown above for Osceola. For more on what minimal exposure implies beyond Osceola, see the exposure-zones guide.