Stevens Point, WI
Stevens Point, WI's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Stevens Point at the 35th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 10,409 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Stevens Point at the 35th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 59.4% of Stevens Point's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 14.1% Direct and 26.5% Indirect — a landscape-level risk rather than a building-by-building one. At 10,409 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Stevens Point ranks
Within Wisconsin, Stevens Point ranks higher (82nd percentile) than it does nationally (35th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Stevens Point ranks 20,410 for wildfire risk (1 is highest) and 1,527 by building count (1 is largest). Within Wisconsin alone, it ranks 144 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
Stevens Point's moderate wildfire rating (35th 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
Stevens Point's 59.4% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Stevens Point's 20,410-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Stevens Point, see the exposure-zones guide.