Algoma, WI
Algoma wildfire risk explained
USFS scores Algoma at the 16th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 2,084 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Algoma at the 17th percentile, close to its 16th-percentile risk score.
Algoma's building exposure, zone by zone
Most of Algoma's buildings (90.2% of 2,084) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Algoma compares
Algoma's risk sits at a similar level relative to Wisconsin (20th percentile statewide) as it does nationally (16th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Algoma ranks 26,396 for wildfire risk (1 is highest) and 7,240 by building count (1 is largest). Within Wisconsin alone, it ranks 643 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Shopping for coverage in Algoma
Algoma'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.
Lowering exposure, not just insuring around it
Even with 90.2% of Algoma 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.
Where Algoma's figures come from
Algoma's 16th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Algoma's dominant minimal exposure actually means, with real examples from across the dataset.