Webster, WI
How exposed is Webster to wildfire?
USFS's Wildfire Risk to Communities model puts Webster at the 63rd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 565 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Webster's burn probability — fire likelihood with no building count factored in — sits at the 61st percentile nationally.
Where Webster's buildings actually sit
Indirect exposure is dominant in Webster (56.8% of 565 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 43.2% sit in the Direct zone.
Webster against the rest of the country
Webster's 100th-percentile standing inside Wisconsin outpaces its 63rd 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, Webster ranks 11,742 for wildfire risk (1 is highest) and 16,334 by building count (1 is largest). Within Wisconsin alone, it ranks 3 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
Webster's 63rd-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Because 56.8% of Webster's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 565 counted buildings into the percentiles shown above for Webster. For more on what indirect exposure implies beyond Webster, see the exposure-zones guide.