Oswego, SC
How exposed is Oswego to wildfire?
Oswego sits at the 72nd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 86 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oswego's burn probability — fire likelihood with no building count factored in — sits at the 72nd percentile nationally.
Where Oswego's buildings actually sit
Direct exposure dominates in Oswego: 69.8% of its 86 buildings, versus 30.2% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Oswego against the rest of the country
Oswego scores 72nd nationally and 65th within South Carolina — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Oswego ranks 8,892 for wildfire risk (1 is highest) and 29,668 by building count (1 is largest). Within South Carolina alone, it ranks 169 of 474 places by risk. See the full county-by-county picture for South Carolina on its state page.
What this risk score means for insurance
Oswego's high rating (72nd 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.
Lowering exposure, not just insuring around it
With 69.8% of Oswego 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
The methodology guide shows exactly how USFS turned 86 counted buildings into the percentiles shown above for Oswego. For more on what direct exposure implies beyond Oswego, see the exposure-zones guide.