Lake Nebagamon, WI
Lake Nebagamon, WI's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Lake Nebagamon at the 31st national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,134 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake Nebagamon's burn probability — fire likelihood with no building count factored in — sits at the 30th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 87.9% of Lake Nebagamon's buildings as Direct exposure, higher than its 10.6% Indirect share and far above its 1.5% Minimal share — a profile where 997 structures sit close enough to vegetation that lot clearing matters most.
How Lake Nebagamon compares
Lake Nebagamon's 67th-percentile standing inside Wisconsin outpaces its 31st 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, Lake Nebagamon ranks 21,859 for wildfire risk (1 is highest) and 11,057 by building count (1 is largest). Within Wisconsin alone, it ranks 271 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 Nebagamon'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 Nebagamon
With 87.9% of Lake Nebagamon 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.
Where Lake Nebagamon's figures come from
Lake Nebagamon's 31st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Lake Nebagamon's dominant direct exposure actually means, with real examples from across the dataset.