Stoddard, WI
How exposed is Stoddard to wildfire?
Out of every US place USFS scores, Stoddard lands at the 35th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 519 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Stoddard's burn probability — fire likelihood with no building count factored in — sits at the 36th percentile nationally.
Where Stoddard's buildings actually sit
519 buildings are counted in Stoddard, and 82.5% of them are Indirect exposure — ember-driven risk rather than the 17.3% in Direct exposure or the 0.2% rated Minimal.
How Stoddard compares
Stoddard's 81st-percentile standing inside Wisconsin outpaces its 35th 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, Stoddard ranks 20,661 for wildfire risk (1 is highest) and 17,046 by building count (1 is largest). Within Wisconsin alone, it ranks 157 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
Stoddard's moderate rating (35th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Stoddard
With ember exposure the dominant pattern in Stoddard (82.5% 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
Stoddard's 35th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Stoddard, see the exposure-zones guide.