Adams, WI
Adams wildfire risk explained
Adams sits at the 47th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,104 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Adams at the 45th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Adams's building exposure, zone by zone
USFS classifies 71.6% of Adams's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 16.3% Direct and 12.1% Indirect — a landscape-level risk rather than a building-by-building one.
How Adams compares
Within Wisconsin, Adams ranks higher (97th percentile) than it does nationally (47th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Adams ranks 16,816 for wildfire risk (1 is highest) and 11,259 by building count (1 is largest). Within Wisconsin alone, it ranks 26 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
Adams's elevated rating (47th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 71.6% of Adams outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,104 counted buildings into the percentiles shown above for Adams. For more on what minimal exposure implies beyond Adams, see the exposure-zones guide.