Ogema, WI
Ogema, WI's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Ogema at the 13th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 208 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ogema's burn probability — fire likelihood with no building count factored in — sits at the 13th percentile nationally.
Ogema's building exposure, zone by zone
Direct exposure dominates in Ogema: 76% of its 208 buildings, versus 24% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Ogema ranks
Ogema scores 13th nationally and 13th 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, Ogema ranks 27,344 for wildfire risk (1 is highest) and 24,581 by building count (1 is largest). Within Wisconsin alone, it ranks 702 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Ogema and the insurance market
Ogema's low wildfire rating (13th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Ogema
Ogema's 76% 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 Ogema's figures come from
Ogema's 13th-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 Ogema's dominant direct exposure actually means, with real examples from across the dataset.