Otsego, MN
Otsego, MN's wildfire risk, in USFS's own numbers
Otsego's 7,818 buildings earn a 35th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Otsego at the 35th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Otsego's buildings actually sit
Of Otsego's 7,818 counted buildings, 52.2% carry Direct exposure and only 46.1% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first. At 7,818 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Otsego against the rest of the country
There's little gap between Otsego's 35th national percentile and its 44th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Otsego ranks 20,545 for wildfire risk (1 is highest) and 2,172 by building count (1 is largest). Within Minnesota alone, it ranks 508 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Otsego and the insurance market
At the 35th national percentile, Otsego rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Otsego's 52.2% 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.
More on how this number was built
Otsego's 35th-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 Otsego, see the exposure-zones guide.