Oliver, WI
Oliver wildfire risk explained
Oliver's 298 buildings earn a 33rd-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Oliver at the 33rd percentile, close to its 33rd-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Oliver: 76.5% of its 298 buildings, versus 23.5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Oliver ranks
Oliver's 73rd-percentile standing inside Wisconsin outpaces its 33rd 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, Oliver ranks 21,292 for wildfire risk (1 is highest) and 21,697 by building count (1 is largest). Within Wisconsin alone, it ranks 218 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Oliver and the insurance market
Oliver's moderate wildfire rating (33rd 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.
What would actually reduce this score
With 76.5% of Oliver in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Oliver's 33rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Oliver, see the exposure-zones guide.