Polonia, WI
Polonia wildfire risk explained
USFS scores Polonia at the 27th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 363 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Polonia at the 26th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
363 buildings are counted in Polonia, and 86% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 7.2% rated Minimal.
Polonia against the rest of the country
Polonia's 55th-percentile standing inside Wisconsin outpaces its 27th 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, Polonia ranks 23,025 for wildfire risk (1 is highest) and 20,009 by building count (1 is largest). Within Wisconsin alone, it ranks 364 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
Polonia's moderate wildfire rating (27th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Polonia (86%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Polonia's figures come from
Every one of the two percentiles behind Polonia's 23,025-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Polonia's dominant direct exposure actually means, with real examples from across the dataset.