Oshkosh, NE
How exposed is Oshkosh to wildfire?
USFS scores Oshkosh at the 77th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 677 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oshkosh's burn probability — fire likelihood with no building count factored in — sits at the 76th percentile nationally.
Where Oshkosh's buildings actually sit
Indirect exposure is dominant in Oshkosh (90.4% of 677 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 9.6% sit in the Direct zone.
Oshkosh against the rest of the country
Oshkosh's risk sits at a similar level relative to Nebraska (81st percentile statewide) as it does nationally (77th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Oshkosh ranks 7,188 for wildfire risk (1 is highest) and 14,902 by building count (1 is largest). Within Nebraska alone, it ranks 109 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
Shopping for coverage in Oshkosh
Oshkosh's high rating (77th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
With ember exposure the dominant pattern in Oshkosh (90.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Oshkosh's figures come from
The methodology guide shows exactly how USFS turned 677 counted buildings into the percentiles shown above for Oshkosh. The exposure-zones guide covers what Oshkosh's dominant indirect exposure actually means, with real examples from across the dataset.