Lodi, WI
Lodi wildfire risk explained
Lodi's 1,263 buildings earn a 27th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lodi at the 28th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Lodi's buildings actually sit
USFS puts 79.3% of Lodi's 1,263 buildings in the Indirect exposure zone, versus 15% Direct and 5.7% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Lodi ranks
Compare Lodi's two percentiles: 53rd within Wisconsin, only 27th nationally — a gap of 27 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Lodi ranks 23,182 for wildfire risk (1 is highest) and 10,280 by building count (1 is largest). Within Wisconsin alone, it ranks 381 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
Lodi's moderate rating (27th 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
Lodi's 79.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Lodi's figures come from
The methodology guide shows exactly how USFS turned 1,263 counted buildings into the percentiles shown above for Lodi. The exposure-zones guide covers what Lodi's dominant indirect exposure actually means, with real examples from across the dataset.