Whitewater, WI
Whitewater wildfire risk explained
Whitewater 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 3,258 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Whitewater at the 15th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Whitewater's building exposure, zone by zone
Whitewater rates 84.5% Minimal exposure against just 15.5% Direct and 0% Indirect — of 3,258 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Whitewater against the rest of the country
There's little gap between Whitewater's 16th national percentile and its 19th percentile inside Wisconsin, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Whitewater ranks 26,493 for wildfire risk (1 is highest) and 5,091 by building count (1 is largest). Within Wisconsin alone, it ranks 653 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Shopping for coverage in Whitewater
Whitewater's low rating (16th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Whitewater's 84.5% 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
Whitewater's 16th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Whitewater, see the exposure-zones guide.