Beloit, WI
Beloit, WI's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Beloit at the 17th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 16,004 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Beloit's burn probability — fire likelihood with no building count factored in — sits at the 18th percentile nationally.
Beloit's building exposure, zone by zone
USFS classifies 91% of Beloit's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 9.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 16,004 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Beloit ranks
There's little gap between Beloit's 17th national percentile and its 21st percentile inside Wisconsin, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Beloit ranks 26,303 for wildfire risk (1 is highest) and 916 by building count (1 is largest). Within Wisconsin alone, it ranks 635 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Beloit and the insurance market
Beloit's low wildfire rating (17th 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.
What would actually reduce this score
Even with 91% of Beloit 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 Beloit's figures come from
The methodology guide shows exactly how USFS turned 16,004 counted buildings into the percentiles shown above for Beloit. The exposure-zones guide covers what Beloit's dominant minimal exposure actually means, with real examples from across the dataset.