River Falls, WI
How exposed is River Falls to wildfire?
River Falls's 4,484 buildings earn a 29th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, River Falls's burn probability — fire likelihood with no building count factored in — sits at the 30th percentile nationally.
What "at risk" means for the buildings here
USFS puts 79% of River Falls's 4,484 buildings in the Indirect exposure zone, versus 19.1% Direct and 2% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How River Falls compares
River Falls's 61st-percentile standing inside Wisconsin outpaces its 29th 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, River Falls ranks 22,457 for wildfire risk (1 is highest) and 3,807 by building count (1 is largest). Within Wisconsin alone, it ranks 315 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
River Falls and the insurance market
River Falls's moderate wildfire rating (29th 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
With ember exposure the dominant pattern in River Falls (79% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 4,484 counted buildings into the percentiles shown above for River Falls. For more on what indirect exposure implies beyond River Falls, see the exposure-zones guide.