Chain O' Lakes, WI
How exposed is Chain O' Lakes to wildfire?
Chain O' Lakes's 987 buildings earn a 41st-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, Chain O' Lakes's burn probability — fire likelihood with no building count factored in — sits at the 41st percentile nationally.
Where Chain O' Lakes's buildings actually sit
USFS classifies 79% of Chain O' Lakes's buildings as Direct exposure, higher than its 4.7% Indirect share and far above its 16.3% Minimal share — a profile where 780 structures sit close enough to vegetation that lot clearing matters most.
Where Chain O' Lakes ranks
Within Wisconsin, Chain O' Lakes ranks higher (92nd percentile) than it does nationally (41st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Chain O' Lakes ranks 18,613 for wildfire risk (1 is highest) and 12,031 by building count (1 is largest). Within Wisconsin alone, it ranks 63 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
Chain O' Lakes's elevated wildfire rating (41st 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
With 79% of Chain O' Lakes 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.
More on how this number was built
Every one of the two percentiles behind Chain O' Lakes's 18,613-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Chain O' Lakes, see the exposure-zones guide.