Reserve, WI
How exposed is Reserve to wildfire?
USFS scores Reserve at the 16th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 275 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Reserve at the 15th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Reserve's building exposure, zone by zone
99.3% of Reserve's 275 buildings sit in USFS's Direct exposure zone, roughly 273 structures close enough to burnable vegetation for flame contact, not just embers — 0.7% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Reserve ranks
There's little gap between Reserve's 16th national percentile and its 20th percentile inside Wisconsin, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Reserve ranks 26,399 for wildfire risk (1 is highest) and 22,378 by building count (1 is largest). Within Wisconsin alone, it ranks 646 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Shopping for coverage in Reserve
Reserve's low rating (16th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Reserve
Because Direct exposure dominates in Reserve (99.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 275 counted buildings into the percentiles shown above for Reserve. For more on what direct exposure implies beyond Reserve, see the exposure-zones guide.