Lake Delton, WI
How exposed is Lake Delton to wildfire?
USFS's Wildfire Risk to Communities model puts Lake Delton at the 31st national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 2,476 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake Delton's burn probability — fire likelihood with no building count factored in — sits at the 32nd percentile nationally.
Where Lake Delton's buildings actually sit
USFS puts 37.7% of Lake Delton's 2,476 buildings in the Indirect exposure zone, versus 35.7% Direct and 26.7% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Lake Delton against the rest of the country
Compare Lake Delton's two percentiles: 69th within Wisconsin, only 31st nationally — a gap of 37 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Lake Delton ranks 21,637 for wildfire risk (1 is highest) and 6,348 by building count (1 is largest). Within Wisconsin alone, it ranks 252 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
Lake Delton's moderate wildfire rating (31st 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.
Hardening a home in Lake Delton
With ember exposure the dominant pattern in Lake Delton (37.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Lake Delton's 21,637-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Lake Delton, see the exposure-zones guide.