Plover, WI
How exposed is Plover to wildfire?
USFS's Wildfire Risk to Communities model puts Plover at the 25th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 4,985 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Plover at the 25th national percentile — 0 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
USFS classifies 60% of Plover's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 32.7% Direct and 7.3% Indirect — a landscape-level risk rather than a building-by-building one.
Where Plover ranks
Compare Plover's two percentiles: 48th within Wisconsin, only 25th nationally — a gap of 23 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Plover ranks 23,780 for wildfire risk (1 is highest) and 3,433 by building count (1 is largest). Within Wisconsin alone, it ranks 425 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Plover and the insurance market
Plover's moderate rating (25th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Plover's 60% 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 Plover's figures come from
Plover's 25th-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 Plover's dominant minimal exposure actually means, with real examples from across the dataset.