Lomira, WI
Lomira wildfire risk explained
Out of every US place USFS scores, Lomira lands at the 19th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 1,009 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lomira's burn probability — fire likelihood with no building count factored in — sits at the 20th percentile nationally.
Lomira's building exposure, zone by zone
USFS classifies 93.1% of Lomira's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 6.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Lomira against the rest of the country
There's little gap between Lomira's 19th national percentile and its 27th percentile inside Wisconsin, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Lomira ranks 25,578 for wildfire risk (1 is highest) and 11,875 by building count (1 is largest). Within Wisconsin alone, it ranks 591 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Lomira and the insurance market
Lomira's low wildfire rating (19th 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
Even with 93.1% of Lomira outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Lomira's figures come from
The methodology guide shows exactly how USFS turned 1,009 counted buildings into the percentiles shown above for Lomira. The exposure-zones guide covers what Lomira's dominant minimal exposure actually means, with real examples from across the dataset.