White Lake, WI
White Lake wildfire risk explained
Out of every US place USFS scores, White Lake lands at the 14th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 298 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, White Lake's burn probability — fire likelihood with no building count factored in — sits at the 14th percentile nationally.
White Lake's building exposure, zone by zone
Most of White Lake's buildings (53.7%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
White Lake against the rest of the country
There's little gap between White Lake's 14th national percentile and its 16th percentile inside Wisconsin, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, White Lake ranks 26,966 for wildfire risk (1 is highest) and 21,698 by building count (1 is largest). Within Wisconsin alone, it ranks 683 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 14th national percentile, White Lake rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in White Lake
With ember exposure the dominant pattern in White Lake (53.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind White Lake's 26,966-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond White Lake, see the exposure-zones guide.