St. Croix Falls, WI
St. Croix Falls wildfire risk explained
St. Croix Falls's 1,108 buildings earn a 34th-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts St. Croix Falls at the 35th percentile, close to its 34th-percentile risk score.
St. Croix Falls's building exposure, zone by zone
55.2% of St. Croix Falls's 1,108 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 43.9% Direct and 0.9% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where St. Croix Falls ranks
St. Croix Falls's 78th-percentile standing inside Wisconsin outpaces its 34th 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, St. Croix Falls ranks 20,850 for wildfire risk (1 is highest) and 11,238 by building count (1 is largest). Within Wisconsin alone, it ranks 177 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
St. Croix Falls's moderate wildfire rating (34th 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.
Hardening a home in St. Croix Falls
With ember exposure the dominant pattern in St. Croix Falls (55.2% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where St. Croix Falls's figures come from
Every one of the two percentiles behind St. Croix Falls's 20,850-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what St. Croix Falls's dominant indirect exposure actually means, with real examples from across the dataset.