Hartford, WI
Hartford, WI's wildfire risk, in USFS's own numbers
Hartford sits at the 32nd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 5,398 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hartford's burn probability — fire likelihood with no building count factored in — sits at the 33rd percentile nationally.
Where Hartford's buildings actually sit
Hartford rates 85.8% Minimal exposure against just 14.1% Direct and 0.1% Indirect — of 5,398 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 5,398 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Hartford against the rest of the country
Hartford's 71st-percentile standing inside Wisconsin outpaces its 32nd 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, Hartford ranks 21,477 for wildfire risk (1 is highest) and 3,198 by building count (1 is largest). Within Wisconsin alone, it ranks 236 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
Hartford's moderate wildfire rating (32nd 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
Even with 85.8% of Hartford outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Hartford's 32nd-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 Hartford, see the exposure-zones guide.