Elkhorn, WI
Elkhorn, WI's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Elkhorn at the 12th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 3,652 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Elkhorn's burn probability — fire likelihood with no building count factored in — sits at the 12th percentile nationally.
Elkhorn's building exposure, zone by zone
87.8% of Elkhorn's 3,652 buildings sit in USFS's Minimal exposure zone, with only 12.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Elkhorn ranks
There's little gap between Elkhorn's 12th national percentile and its 11th percentile inside Wisconsin, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Elkhorn ranks 27,658 for wildfire risk (1 is highest) and 4,582 by building count (1 is largest). Within Wisconsin alone, it ranks 722 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
Elkhorn's low rating (12th 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
Elkhorn's 87.8% 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
Elkhorn's 12th-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 Elkhorn, see the exposure-zones guide.