Sturgeon Bay, WI
Sturgeon Bay wildfire risk explained
Out of every US place USFS scores, Sturgeon Bay lands at the 29th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 5,544 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Sturgeon Bay at the 31st national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Sturgeon Bay's building exposure, zone by zone
Only 21.2% of Sturgeon Bay's 5,544 buildings carry Direct exposure and 38.7% carry Indirect; the remaining 40.1% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 5,544 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Sturgeon Bay ranks
Sturgeon Bay's 62nd-percentile standing inside Wisconsin outpaces its 29th 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, Sturgeon Bay ranks 22,364 for wildfire risk (1 is highest) and 3,109 by building count (1 is largest). Within Wisconsin alone, it ranks 309 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Sturgeon Bay and the insurance market
Sturgeon Bay's moderate wildfire rating (29th 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 Sturgeon Bay
Sturgeon Bay's 40.1% 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
The methodology guide shows exactly how USFS turned 5,544 counted buildings into the percentiles shown above for Sturgeon Bay. For more on what minimal exposure implies beyond Sturgeon Bay, see the exposure-zones guide.