Cumberland, WI
How exposed is Cumberland to wildfire?
USFS scores Cumberland at the 24th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,449 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cumberland's burn probability — fire likelihood with no building count factored in — sits at the 24th percentile nationally.
Where Cumberland's buildings actually sit
46.6% of Cumberland's 1,449 buildings sit in USFS's Direct exposure zone, roughly 675 structures close enough to burnable vegetation for flame contact, not just embers — 29.8% fall in the Indirect, ember-only zone and 23.6% are Minimal.
Cumberland against the rest of the country
Cumberland's 44th-percentile standing inside Wisconsin outpaces its 24th 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, Cumberland ranks 24,128 for wildfire risk (1 is highest) and 9,397 by building count (1 is largest). Within Wisconsin alone, it ranks 453 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Shopping for coverage in Cumberland
Cumberland's moderate rating (24th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Because Direct exposure dominates in Cumberland (46.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Cumberland's 24,128-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Cumberland, see the exposure-zones guide.