Osyka, MS
How exposed is Osyka to wildfire?
Out of every US place USFS scores, Osyka lands at the 82nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 324 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Osyka at the 84th percentile, close to its 82nd-percentile risk score.
What "at risk" means for the buildings here
324 buildings are counted in Osyka, and 54.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Osyka ranks
Osyka scores 82nd nationally and 83rd within Mississippi — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Osyka ranks 5,832 for wildfire risk (1 is highest) and 20,984 by building count (1 is largest). Within Mississippi alone, it ranks 71 of 420 places by risk. See the full county-by-county picture for Mississippi on its state page.
What this risk score means for insurance
Osyka's 82nd-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Osyka's 54.9% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Osyka's figures come from
Every one of the two percentiles behind Osyka's 5,832-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Osyka's dominant direct exposure actually means, with real examples from across the dataset.