Bear Creek, WI
Bear Creek wildfire risk explained
Bear Creek's 256 buildings earn a 11th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bear Creek's burn probability — fire likelihood with no building count factored in — sits at the 10th percentile nationally.
Bear Creek's building exposure, zone by zone
80.1% of Bear Creek's 256 buildings sit in USFS's Minimal exposure zone, with only 19.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Bear Creek ranks
There's little gap between Bear Creek's 11th national percentile and its 7th percentile inside Wisconsin, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Bear Creek ranks 28,161 for wildfire risk (1 is highest) and 22,965 by building count (1 is largest). Within Wisconsin alone, it ranks 748 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Shopping for coverage in Bear Creek
At the 11th national percentile, Bear Creek rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Bear Creek's 80.1% 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
Bear Creek's 11th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Bear Creek, see the exposure-zones guide.