Baldwin, WI
Baldwin wildfire risk explained
Baldwin sits at the 15th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 1,578 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Baldwin at the 15th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Baldwin's building exposure, zone by zone
USFS classifies 84.7% of Baldwin's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 15.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Baldwin ranks
Baldwin's risk sits at a similar level relative to Wisconsin (18th percentile statewide) as it does nationally (15th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Baldwin ranks 26,679 for wildfire risk (1 is highest) and 8,844 by building count (1 is largest). Within Wisconsin alone, it ranks 662 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
Baldwin's low wildfire rating (15th 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.
Lowering exposure, not just insuring around it
Baldwin's 84.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,578 counted buildings into the percentiles shown above for Baldwin. For more on what minimal exposure implies beyond Baldwin, see the exposure-zones guide.