North Bay, WI
North Bay wildfire risk explained
North Bay's 101 buildings earn a 19th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks North Bay at the 22nd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
North Bay rates 89.1% Minimal exposure against just 10.9% Direct and 0% Indirect — of 101 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How North Bay compares
North Bay's risk sits at a similar level relative to Wisconsin (28th percentile statewide) as it does nationally (19th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, North Bay ranks 25,516 for wildfire risk (1 is highest) and 29,015 by building count (1 is largest). Within Wisconsin alone, it ranks 585 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
North Bay and the insurance market
North Bay's low rating (19th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
North Bay's 89.1% 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.
Where North Bay's figures come from
North Bay's 19th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what North Bay's dominant minimal exposure actually means, with real examples from across the dataset.