Osseo, MN
Osseo wildfire risk explained
USFS scores Osseo at the 28th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,111 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 Osseo at the 29th percentile, close to its 28th-percentile risk score.
Where Osseo's buildings actually sit
Osseo rates 99.9% Minimal exposure against just 0.1% Direct and 0% Indirect — of 1,111 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Osseo against the rest of the country
There's little gap between Osseo's 28th national percentile and its 33rd percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Osseo ranks 22,816 for wildfire risk (1 is highest) and 11,212 by building count (1 is largest). Within Minnesota alone, it ranks 613 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Osseo
Osseo's moderate wildfire rating (28th 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.
Hardening a home in Osseo
Even with 99.9% of Osseo 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 Osseo's figures come from
The methodology guide shows exactly how USFS turned 1,111 counted buildings into the percentiles shown above for Osseo. The exposure-zones guide covers what Osseo's dominant minimal exposure actually means, with real examples from across the dataset.