Stone Lake, WI
Stone Lake, WI's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Stone Lake lands at the 20th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 279 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Stone Lake's burn probability — fire likelihood with no building count factored in — sits at the 20th percentile nationally.
Stone Lake's building exposure, zone by zone
279 buildings are counted in Stone Lake, and 71% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.4% rated Minimal.
Where Stone Lake ranks
There's little gap between Stone Lake's 20th national percentile and its 31st percentile inside Wisconsin, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Stone Lake ranks 25,295 for wildfire risk (1 is highest) and 22,249 by building count (1 is largest). Within Wisconsin alone, it ranks 564 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Stone Lake and the insurance market
Stone Lake's low rating (20th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Stone Lake (71%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Stone Lake's figures come from
Every one of the two percentiles behind Stone Lake's 25,295-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Stone Lake's dominant direct exposure actually means, with real examples from across the dataset.