Paddock Lake, WI
How exposed is Paddock Lake to wildfire?
USFS scores Paddock Lake at the 28th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,798 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Paddock Lake at the 29th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Paddock Lake's buildings actually sit
Most of Paddock Lake's buildings (78.7% of 1,798) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Paddock Lake against the rest of the country
Within Wisconsin, Paddock Lake ranks higher (58th percentile) than it does nationally (28th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Paddock Lake ranks 22,711 for wildfire risk (1 is highest) and 8,071 by building count (1 is largest). Within Wisconsin alone, it ranks 345 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Shopping for coverage in Paddock Lake
Paddock Lake's moderate wildfire rating (28th 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 Paddock Lake
Even with 78.7% of Paddock Lake outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Paddock Lake's figures come from
Every one of the two percentiles behind Paddock Lake's 22,711-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Paddock Lake's dominant minimal exposure actually means, with real examples from across the dataset.