Lake Ripley, WI
Lake Ripley wildfire risk explained
Lake Ripley sits at the 33rd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 1,155 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lake Ripley at the 34th national percentile — 1 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
50.6% of Lake Ripley's 1,155 buildings sit in USFS's Direct exposure zone, roughly 584 structures close enough to burnable vegetation for flame contact, not just embers — 2% fall in the Indirect, ember-only zone and 47.5% are Minimal.
Lake Ripley against the rest of the country
Compare Lake Ripley's two percentiles: 76th within Wisconsin, only 33rd nationally — a gap of 42 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Lake Ripley ranks 21,009 for wildfire risk (1 is highest) and 10,918 by building count (1 is largest). Within Wisconsin alone, it ranks 199 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 33rd national percentile, Lake Ripley rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Lake Ripley's 50.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Lake Ripley's figures come from
Every one of the two percentiles behind Lake Ripley's 21,009-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lake Ripley's dominant direct exposure actually means, with real examples from across the dataset.