Avoca, WI
How exposed is Avoca to wildfire?
USFS's Wildfire Risk to Communities model puts Avoca at the 33rd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 452 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Avoca at the 34th percentile, close to its 33rd-percentile risk score.
Where Avoca's buildings actually sit
USFS puts 67.5% of Avoca's 452 buildings in the Indirect exposure zone, versus 32.5% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Avoca ranks
Avoca's 73rd-percentile standing inside Wisconsin outpaces its 33rd national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Avoca ranks 21,259 for wildfire risk (1 is highest) and 18,245 by building count (1 is largest). Within Wisconsin alone, it ranks 214 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
Avoca's moderate wildfire rating (33rd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Avoca
Because 67.5% of Avoca's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Avoca's figures come from
Every one of the two percentiles behind Avoca's 21,259-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Avoca's dominant indirect exposure actually means, with real examples from across the dataset.