Combined Locks, WI
How exposed is Combined Locks to wildfire?
Combined Locks's 1,747 buildings earn a 20th-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.)
Separately from the risk score above, Combined Locks's burn probability — fire likelihood with no building count factored in — sits at the 22nd percentile nationally.
Where Combined Locks's buildings actually sit
84.9% of Combined Locks's 1,747 buildings sit in USFS's Minimal exposure zone, with only 15.1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Combined Locks ranks
Combined Locks's risk sits at a similar level relative to Wisconsin (31st percentile statewide) as it does nationally (20th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Combined Locks ranks 25,168 for wildfire risk (1 is highest) and 8,239 by building count (1 is largest). Within Wisconsin alone, it ranks 555 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Combined Locks and the insurance market
Combined Locks's moderate wildfire rating (20th 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
Combined Locks's 84.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Combined Locks's 20th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Combined Locks, see the exposure-zones guide.