Oslo, MN
How exposed is Oslo to wildfire?
USFS scores Oslo at the 36th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 255 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 Oslo at the 34th percentile, close to its 36th-percentile risk score.
Where Oslo's buildings actually sit
Only 5.5% of Oslo's 255 buildings carry Direct exposure and 0% carry Indirect; the remaining 94.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Oslo against the rest of the country
Oslo scores 36th nationally and 46th within Minnesota — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Oslo ranks 20,296 for wildfire risk (1 is highest) and 22,982 by building count (1 is largest). Within Minnesota alone, it ranks 493 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
What this risk score means for insurance
Oslo's moderate rating (36th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Oslo's 94.5% 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.
Where Oslo's figures come from
Oslo's 36th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Oslo's dominant minimal exposure actually means, with real examples from across the dataset.