Osseo, WI
Osseo wildfire risk explained
Osseo's 941 buildings earn a 23rd-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Osseo's burn probability — fire likelihood with no building count factored in — sits at the 23rd percentile nationally.
What "at risk" means for the buildings here
Osseo rates 70.5% Minimal exposure against just 26.9% Direct and 2.7% Indirect — of 941 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Osseo compares
Compare Osseo's two percentiles: 42nd within Wisconsin, only 23rd nationally — a gap of 19 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Osseo ranks 24,285 for wildfire risk (1 is highest) and 12,391 by building count (1 is largest). Within Wisconsin alone, it ranks 471 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
What this risk score means for insurance
Osseo's moderate wildfire rating (23rd 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.
Lowering exposure, not just insuring around it
With 70.5% of buildings rated Minimal exposure, Osseo gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Osseo's figures come from
Osseo's 23rd-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 Osseo's dominant minimal exposure actually means, with real examples from across the dataset.