Rubicon, WI
Rubicon wildfire risk explained
USFS scores Rubicon at the 23rd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 139 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Rubicon at the 24th percentile, close to its 23rd-percentile risk score.
Rubicon's building exposure, zone by zone
USFS classifies 57.6% of Rubicon's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 42.5% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Rubicon against the rest of the country
Compare Rubicon's two percentiles: 43rd within Wisconsin, only 23rd nationally — a gap of 20 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Rubicon ranks 24,159 for wildfire risk (1 is highest) and 27,351 by building count (1 is largest). Within Wisconsin alone, it ranks 457 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
At the 23rd national percentile, Rubicon rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 57.6% of Rubicon outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Rubicon's figures come from
Every one of the two percentiles behind Rubicon's 24,159-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Rubicon's dominant minimal exposure actually means, with real examples from across the dataset.