Caroline, WI
Caroline, WI's wildfire risk, in USFS's own numbers
Caroline sits at the 19th 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 196 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Caroline at the 20th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Caroline's buildings actually sit
63.8% of Caroline's 196 buildings sit in USFS's Direct exposure zone, roughly 125 structures close enough to burnable vegetation for flame contact, not just embers — 36.2% fall in the Indirect, ember-only zone and 0% are Minimal.
Caroline against the rest of the country
There's little gap between Caroline's 19th national percentile and its 29th percentile inside Wisconsin, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Caroline ranks 25,421 for wildfire risk (1 is highest) and 25,016 by building count (1 is largest). Within Wisconsin alone, it ranks 577 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Shopping for coverage in Caroline
Caroline's low rating (19th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Caroline
With 63.8% of Caroline in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Caroline's figures come from
Every one of the two percentiles behind Caroline's 25,421-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Caroline's dominant direct exposure actually means, with real examples from across the dataset.