Oconomowoc Lake, WI
Oconomowoc Lake wildfire risk explained
Oconomowoc Lake sits at the 35th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 474 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oconomowoc Lake at the 38th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Oconomowoc Lake's buildings actually sit
Direct exposure dominates in Oconomowoc Lake: 76.2% of its 474 buildings, versus 0% Indirect and 23.8% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Oconomowoc Lake ranks
Within Wisconsin, Oconomowoc Lake ranks higher (81st percentile) than it does nationally (35th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Oconomowoc Lake ranks 20,565 for wildfire risk (1 is highest) and 17,822 by building count (1 is largest). Within Wisconsin alone, it ranks 151 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Shopping for coverage in Oconomowoc Lake
Oconomowoc Lake's moderate rating (35th 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
Oconomowoc Lake's 76.2% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Oconomowoc Lake's figures come from
Every one of the two percentiles behind Oconomowoc Lake's 20,565-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Oconomowoc Lake's dominant direct exposure actually means, with real examples from across the dataset.