Drummond, WI
Drummond wildfire risk explained
Out of every US place USFS scores, Drummond lands at the 21st percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 197 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Drummond at the 21st percentile, close to its 21st-percentile risk score.
Drummond's building exposure, zone by zone
197 buildings are counted in Drummond, and 56.4% of them are Indirect exposure — ember-driven risk rather than the 43.7% in Direct exposure or the 0% rated Minimal.
Drummond against the rest of the country
Drummond scores 21st nationally and 34th within Wisconsin — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Drummond ranks 24,914 for wildfire risk (1 is highest) and 24,983 by building count (1 is largest). Within Wisconsin alone, it ranks 530 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
Drummond's moderate wildfire rating (21st 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
Drummond's 56.4% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 197 counted buildings into the percentiles shown above for Drummond. For more on what indirect exposure implies beyond Drummond, see the exposure-zones guide.