Florence, WI
Florence, WI's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Florence lands at the 37th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 517 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 Florence at the 37th percentile, close to its 37th-percentile risk score.
What "at risk" means for the buildings here
Indirect exposure is dominant in Florence (61.5% of 517 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 38.5% sit in the Direct zone.
Where Florence ranks
Florence's 86th-percentile standing inside Wisconsin outpaces its 37th 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, Florence ranks 19,966 for wildfire risk (1 is highest) and 17,080 by building count (1 is largest). Within Wisconsin alone, it ranks 115 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Shopping for coverage in Florence
Florence's moderate wildfire rating (37th 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
With ember exposure the dominant pattern in Florence (61.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Florence's figures come from
The methodology guide shows exactly how USFS turned 517 counted buildings into the percentiles shown above for Florence. The exposure-zones guide covers what Florence's dominant indirect exposure actually means, with real examples from across the dataset.