Monona, WI
How exposed is Monona to wildfire?
Monona's 3,428 buildings earn a 44th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Monona at the 45th percentile, close to its 44th-percentile risk score.
Where Monona's buildings actually sit
85% of Monona's 3,428 buildings sit in USFS's Minimal exposure zone, with only 15.1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Monona ranks
Compare Monona's two percentiles: 94th within Wisconsin, only 44th nationally — a gap of 50 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Monona ranks 17,698 for wildfire risk (1 is highest) and 4,874 by building count (1 is largest). Within Wisconsin alone, it ranks 45 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 44th national percentile, Monona rates elevated 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
Monona's 85% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Monona's 17,698-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Monona, see the exposure-zones guide.