Berlin, WI
How exposed is Berlin to wildfire?
Berlin's 2,599 buildings earn a 45th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Berlin's burn probability — fire likelihood with no building count factored in — sits at the 46th percentile nationally.
Where Berlin's buildings actually sit
USFS puts 76% of Berlin's 2,599 buildings in the Indirect exposure zone, versus 24% Direct and 0.1% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Berlin ranks
Berlin's 95th-percentile standing inside Wisconsin outpaces its 45th 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, Berlin ranks 17,446 for wildfire risk (1 is highest) and 6,104 by building count (1 is largest). Within Wisconsin alone, it ranks 38 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
Berlin's elevated wildfire rating (45th 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
With ember exposure the dominant pattern in Berlin (76% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,599 counted buildings into the percentiles shown above for Berlin. For more on what indirect exposure implies beyond Berlin, see the exposure-zones guide.