Clam Lake, WI
Clam Lake wildfire risk explained
Clam Lake sits at the 18th 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 125 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Clam Lake at the 17th percentile, close to its 18th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Clam Lake: 98.4% of its 125 buildings, versus 0% Indirect and 1.6% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Clam Lake against the rest of the country
Clam Lake's risk sits at a similar level relative to Wisconsin (25th percentile statewide) as it does nationally (18th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Clam Lake ranks 25,767 for wildfire risk (1 is highest) and 27,970 by building count (1 is largest). Within Wisconsin alone, it ranks 605 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Clam Lake and the insurance market
Clam Lake's low wildfire rating (18th 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
Clam Lake's 98.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Clam Lake's 25,767-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Clam Lake, see the exposure-zones guide.