Osino, NV
Osino, NV's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Osino at the 100th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 470 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Osino at the 100th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Osino's buildings actually sit
Direct exposure dominates in Osino: 98.3% of its 470 buildings, versus 1.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Osino compares
Osino scores 100th nationally and 97th within Nevada — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Osino ranks 73 for wildfire risk (1 is highest) and 17,876 by building count (1 is largest). Within Nevada alone, it ranks 5 of 123 places by risk. See the full county-by-county picture for Nevada on its state page.
What this risk score means for insurance
Osino's very high rating (100th 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
Osino's 98.3% 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.
Where Osino's figures come from
The methodology guide shows exactly how USFS turned 470 counted buildings into the percentiles shown above for Osino. The exposure-zones guide covers what Osino's dominant direct exposure actually means, with real examples from across the dataset.