Lake Lorraine, WI
Lake Lorraine wildfire risk explained
USFS's Wildfire Risk to Communities model puts Lake Lorraine at the 22nd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 207 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lake Lorraine at the 23rd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Of Lake Lorraine's 207 counted buildings, 74.4% carry Direct exposure and only 1.9% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Lake Lorraine against the rest of the country
Compare Lake Lorraine's two percentiles: 38th within Wisconsin, only 22nd nationally — a gap of 16 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Lake Lorraine ranks 24,568 for wildfire risk (1 is highest) and 24,628 by building count (1 is largest). Within Wisconsin alone, it ranks 499 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Shopping for coverage in Lake Lorraine
Lake Lorraine's moderate rating (22nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 74.4% of Lake Lorraine in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Lake Lorraine's 22nd-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 Lake Lorraine, see the exposure-zones guide.