Three Lakes, WI
Three Lakes, WI's wildfire risk, in USFS's own numbers
Three Lakes sits at the 16th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 825 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Three Lakes's burn probability — fire likelihood with no building count factored in — sits at the 15th percentile nationally.
What "at risk" means for the buildings here
Of Three Lakes's 825 counted buildings, 61.7% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Three Lakes against the rest of the country
Three Lakes's risk sits at a similar level relative to Wisconsin (21st percentile statewide) as it does nationally (16th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Three Lakes ranks 26,366 for wildfire risk (1 is highest) and 13,404 by building count (1 is largest). Within Wisconsin alone, it ranks 641 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Three Lakes and the insurance market
At the 16th national percentile, Three Lakes rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Three Lakes's 61.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 825 counted buildings into the percentiles shown above for Three Lakes. For more on what direct exposure implies beyond Three Lakes, see the exposure-zones guide.