Addison, MI
Addison, MI's wildfire risk, in USFS's own numbers
Addison sits at the 11th 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 350 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Addison at the 11th percentile, close to its 11th-percentile risk score.
Where Addison's buildings actually sit
64.9% of Addison's 350 buildings sit in USFS's Minimal exposure zone, with only 34.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Addison against the rest of the country
Within Michigan, Addison ranks higher (37th percentile) than it does nationally (11th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Addison ranks 28,143 for wildfire risk (1 is highest) and 20,308 by building count (1 is largest). Within Michigan alone, it ranks 466 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
What this risk score means for insurance
Addison's low wildfire rating (11th 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
Even with 64.9% of Addison outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Addison's figures come from
Every one of the two percentiles behind Addison's 28,143-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Addison's dominant minimal exposure actually means, with real examples from across the dataset.