Osco, IL
Osco, IL's wildfire risk, in USFS's own numbers
Osco sits at the 0th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 134 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Osco at the 0th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Osco's buildings (93.3% of 134) 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.
Where Osco ranks
Osco's risk sits at a similar level relative to Illinois (1st percentile statewide) as it does nationally (0th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Osco ranks 31,484 for wildfire risk (1 is highest) and 27,530 by building count (1 is largest). Within Illinois alone, it ranks 1,427 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
What this risk score means for insurance
Osco's low wildfire rating (0th 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.
Lowering exposure, not just insuring around it
Even with 93.3% of Osco outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Osco's figures come from
Every one of the two percentiles behind Osco's 31,484-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Osco's dominant minimal exposure actually means, with real examples from across the dataset.