Williams Bay, WI
How exposed is Williams Bay to wildfire?
Out of every US place USFS scores, Williams Bay lands at the 21st percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 2,038 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Williams Bay at the 22nd percentile, close to its 21st-percentile risk score.
Williams Bay's building exposure, zone by zone
USFS classifies 54% of Williams Bay's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 46% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Williams Bay ranks
There's little gap between Williams Bay's 21st national percentile and its 36th percentile inside Wisconsin, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Williams Bay ranks 24,791 for wildfire risk (1 is highest) and 7,364 by building count (1 is largest). Within Wisconsin alone, it ranks 519 of 808 places by risk. See the full county-by-county picture for Wisconsin on its state page.
Williams Bay and the insurance market
Williams Bay's moderate wildfire rating (21st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 54% of buildings rated Minimal exposure, Williams Bay gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Williams Bay's figures come from
Williams Bay's 21st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Williams Bay's dominant minimal exposure actually means, with real examples from across the dataset.