Lake Tomahawk, WI
How exposed is Lake Tomahawk to wildfire?
Lake Tomahawk's 366 buildings earn a 12th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lake Tomahawk at the 11th percentile, close to its 12th-percentile risk score.
What "at risk" means for the buildings here
74.3% of Lake Tomahawk's 366 buildings sit in USFS's Direct exposure zone, roughly 272 structures close enough to burnable vegetation for flame contact, not just embers — 23.5% fall in the Indirect, ember-only zone and 2.2% are Minimal.
Lake Tomahawk against the rest of the country
Lake Tomahawk scores 12th nationally and 10th within Wisconsin — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Lake Tomahawk ranks 27,691 for wildfire risk (1 is highest) and 19,952 by building count (1 is largest). Within Wisconsin alone, it ranks 724 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 Tomahawk's low wildfire rating (12th 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.
What would actually reduce this score
With 74.3% of Lake Tomahawk 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 Tomahawk's figures come from
Every one of the two percentiles behind Lake Tomahawk's 27,691-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lake Tomahawk's dominant direct exposure actually means, with real examples from across the dataset.