Oswayo, PA
Oswayo wildfire risk explained
Oswayo sits at the 16th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 128 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oswayo at the 16th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Oswayo's building exposure, zone by zone
Direct exposure dominates in Oswayo: 100% of its 128 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Oswayo against the rest of the country
There's little gap between Oswayo's 16th national percentile and its 16th percentile inside Pennsylvania, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Oswayo ranks 26,483 for wildfire risk (1 is highest) and 27,820 by building count (1 is largest). Within Pennsylvania alone, it ranks 1,674 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Shopping for coverage in Oswayo
Oswayo's low rating (16th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Oswayo
With 100% of Oswayo in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Oswayo's 16th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Oswayo, see the exposure-zones guide.