Waterford, WI
How exposed is Waterford to wildfire?
Waterford's 2,003 buildings earn a 28th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Waterford's burn probability — fire likelihood with no building count factored in — sits at the 28th percentile nationally.
Waterford's building exposure, zone by zone
86.8% of Waterford's 2,003 buildings sit in USFS's Minimal exposure zone, with only 13.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Waterford ranks
Within Wisconsin, Waterford ranks higher (57th percentile) than it does nationally (28th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Waterford ranks 22,805 for wildfire risk (1 is highest) and 7,470 by building count (1 is largest). Within Wisconsin alone, it ranks 352 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
At the 28th national percentile, Waterford rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Waterford's 86.8% 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 2,003 counted buildings into the percentiles shown above for Waterford. For more on what minimal exposure implies beyond Waterford, see the exposure-zones guide.