Hager City, WI
Hager City wildfire risk explained
Out of every US place USFS scores, Hager City lands at the 22nd percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 313 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 Hager City at the 22nd percentile, close to its 22nd-percentile risk score.
Where Hager City's buildings actually sit
62% of Hager City's 313 buildings sit in USFS's Direct exposure zone, roughly 194 structures close enough to burnable vegetation for flame contact, not just embers — 38% fall in the Indirect, ember-only zone and 0% are Minimal.
Hager City against the rest of the country
Within Wisconsin, Hager City ranks higher (37th percentile) than it does nationally (22nd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Hager City ranks 24,633 for wildfire risk (1 is highest) and 21,304 by building count (1 is largest). Within Wisconsin alone, it ranks 506 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
Hager City's moderate wildfire rating (22nd 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.
What would actually reduce this score
Hager City's 62% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Hager City's figures come from
The methodology guide shows exactly how USFS turned 313 counted buildings into the percentiles shown above for Hager City. The exposure-zones guide covers what Hager City's dominant direct exposure actually means, with real examples from across the dataset.