Hobart, WI
Hobart, WI's wildfire risk, in USFS's own numbers
Hobart sits at the 15th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 4,285 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hobart at the 16th percentile, close to its 15th-percentile risk score.
Hobart's building exposure, zone by zone
61.1% of Hobart's 4,285 buildings sit in USFS's Direct exposure zone, roughly 2,617 structures close enough to burnable vegetation for flame contact, not just embers — 15.4% fall in the Indirect, ember-only zone and 23.6% are Minimal.
How Hobart compares
There's little gap between Hobart's 15th national percentile and its 18th percentile inside Wisconsin, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hobart ranks 26,680 for wildfire risk (1 is highest) and 3,986 by building count (1 is largest). Within Wisconsin alone, it ranks 663 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Hobart and the insurance market
Hobart's low wildfire rating (15th 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
Because Direct exposure dominates in Hobart (61.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Hobart's 15th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Hobart, see the exposure-zones guide.