Germantown, WI
Germantown wildfire risk explained
Out of every US place USFS scores, Germantown lands at the 28th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 8,498 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Germantown at the 29th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Only 29.6% of Germantown's 8,498 buildings carry Direct exposure and 0% carry Indirect; the remaining 70.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 8,498 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Germantown compares
Within Wisconsin, Germantown ranks higher (56th percentile) than it does nationally (28th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Germantown ranks 22,837 for wildfire risk (1 is highest) and 1,956 by building count (1 is largest). Within Wisconsin alone, it ranks 353 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Germantown and the insurance market
Germantown's moderate wildfire rating (28th 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 70.4% of buildings rated Minimal exposure, Germantown gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 8,498 counted buildings into the percentiles shown above for Germantown. For more on what minimal exposure implies beyond Germantown, see the exposure-zones guide.