Horicon, WI
Horicon wildfire risk explained
USFS's Wildfire Risk to Communities model puts Horicon at the 42nd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,954 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Horicon at the 44th percentile, close to its 42nd-percentile risk score.
What "at risk" means for the buildings here
USFS puts 84.5% of Horicon's 1,954 buildings in the Indirect exposure zone, versus 13% Direct and 2.5% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Horicon against the rest of the country
Compare Horicon's two percentiles: 94th within Wisconsin, only 42nd nationally — a gap of 51 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Horicon ranks 18,171 for wildfire risk (1 is highest) and 7,608 by building count (1 is largest). Within Wisconsin alone, it ranks 52 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Shopping for coverage in Horicon
At the 42nd national percentile, Horicon rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Horicon's 84.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Horicon's 18,171-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Horicon, see the exposure-zones guide.