Loyal, WI
Loyal wildfire risk explained
Loyal's 747 buildings earn a 9th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Loyal's burn probability — fire likelihood with no building count factored in — sits at the 9th percentile nationally.
Where Loyal's buildings actually sit
Loyal rates 83.7% Minimal exposure against just 16.3% Direct and 0% Indirect — of 747 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Loyal compares
Loyal scores 9th nationally and 5th 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, Loyal ranks 28,636 for wildfire risk (1 is highest) and 14,159 by building count (1 is largest). Within Wisconsin alone, it ranks 767 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Shopping for coverage in Loyal
At the 9th national percentile, Loyal rates low 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
Even with 83.7% of Loyal 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.
More on how this number was built
Every one of the two percentiles behind Loyal's 28,636-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Loyal, see the exposure-zones guide.