Collins, WI
Collins, WI's wildfire risk, in USFS's own numbers
Collins's 163 buildings earn a 22nd-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Collins at the 23rd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Collins's buildings actually sit
USFS puts 81.6% of Collins's 163 buildings in the Indirect exposure zone, versus 18.4% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Collins against the rest of the country
Collins's 37th-percentile standing inside Wisconsin outpaces its 22nd 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, Collins ranks 24,692 for wildfire risk (1 is highest) and 26,310 by building count (1 is largest). Within Wisconsin alone, it ranks 508 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
Collins's moderate wildfire rating (22nd 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
Collins's 81.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Collins's figures come from
Collins's 22nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Collins's dominant indirect exposure actually means, with real examples from across the dataset.