Okauchee Lake, WI
Okauchee Lake, WI's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Okauchee Lake at the 35th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 2,857 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Okauchee Lake at the 37th national percentile — 2 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
Only 40.7% of Okauchee Lake's 2,857 buildings carry Direct exposure and 1.4% carry Indirect; the remaining 57.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Okauchee Lake against the rest of the country
Okauchee Lake's 82nd-percentile standing inside Wisconsin outpaces its 35th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Okauchee Lake ranks 20,473 for wildfire risk (1 is highest) and 5,654 by building count (1 is largest). Within Wisconsin alone, it ranks 146 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
Okauchee 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.
Hardening a home in Okauchee Lake
Okauchee Lake's 57.9% 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 Okauchee Lake's figures come from
Every one of the two percentiles behind Okauchee Lake's 20,473-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Okauchee Lake's dominant minimal exposure actually means, with real examples from across the dataset.