Schofield, WI
How exposed is Schofield to wildfire?
USFS scores Schofield 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 1,309 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Schofield at the 24th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Schofield's buildings actually sit
87% of Schofield's 1,309 buildings sit in USFS's Minimal exposure zone, with only 13% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Schofield ranks
Schofield's 42nd-percentile standing inside Wisconsin outpaces its 23rd 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, Schofield ranks 24,286 for wildfire risk (1 is highest) and 10,033 by building count (1 is largest). Within Wisconsin alone, it ranks 472 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
Schofield's moderate wildfire rating (23rd 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
Even with 87% of Schofield 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 Schofield's figures come from
Schofield's 23rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Schofield's dominant minimal exposure actually means, with real examples from across the dataset.