Osgood, IN
Osgood wildfire risk explained
USFS scores Osgood at the 14th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,069 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Osgood at the 15th percentile, close to its 14th-percentile risk score.
Osgood's building exposure, zone by zone
69.5% of Osgood's 1,069 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 29.4% Direct and 1.1% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Osgood compares
Osgood's 66th-percentile standing inside Indiana outpaces its 14th 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, Osgood ranks 27,128 for wildfire risk (1 is highest) and 11,463 by building count (1 is largest). Within Indiana alone, it ranks 332 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Osgood
Osgood's low rating (14th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Osgood (69.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Osgood's figures come from
The methodology guide shows exactly how USFS turned 1,069 counted buildings into the percentiles shown above for Osgood. The exposure-zones guide covers what Osgood's dominant indirect exposure actually means, with real examples from across the dataset.