Racine, WI
Racine, WI's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Racine at the 27th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 36,229 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Racine's burn probability — fire likelihood with no building count factored in — sits at the 29th percentile nationally.
Where Racine's buildings actually sit
Racine rates 99.3% Minimal exposure against just 0.7% Direct and 0% Indirect — of 36,229 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 36,229 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Racine against the rest of the country
Compare Racine's two percentiles: 56th within Wisconsin, only 27th nationally — a gap of 28 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Racine ranks 22,963 for wildfire risk (1 is highest) and 291 by building count (1 is largest). Within Wisconsin alone, it ranks 361 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
Racine'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.
What would actually reduce this score
Racine's 99.3% 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.
More on how this number was built
Every one of the two percentiles behind Racine's 22,963-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Racine, see the exposure-zones guide.