Niagara, WI
How exposed is Niagara to wildfire?
USFS's Wildfire Risk to Communities model puts Niagara at the 24th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,038 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Niagara at the 24th percentile, close to its 24th-percentile risk score.
What "at risk" means for the buildings here
USFS puts 66.1% of Niagara's 1,038 buildings in the Indirect exposure zone, versus 33.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Niagara ranks
Compare Niagara's two percentiles: 46th within Wisconsin, only 24th nationally — a gap of 22 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Niagara ranks 23,939 for wildfire risk (1 is highest) and 11,677 by building count (1 is largest). Within Wisconsin alone, it ranks 439 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
Niagara's moderate rating (24th 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
Niagara's 66.1% 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.
More on how this number was built
Every one of the two percentiles behind Niagara's 23,939-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Niagara, see the exposure-zones guide.