Humbird, WI
Humbird, WI's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Humbird 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 188 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Humbird at the 27th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Humbird's building exposure, zone by zone
51.6% of Humbird's 188 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 48.4% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Humbird against the rest of the country
Humbird's 56th-percentile standing inside Wisconsin outpaces its 28th 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, Humbird ranks 22,867 for wildfire risk (1 is highest) and 25,338 by building count (1 is largest). Within Wisconsin alone, it ranks 354 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
At the 28th national percentile, Humbird rates moderate 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
With ember exposure the dominant pattern in Humbird (51.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Humbird's figures come from
Every one of the two percentiles behind Humbird's 22,867-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Humbird's dominant indirect exposure actually means, with real examples from across the dataset.