Algonac, MI
How exposed is Algonac to wildfire?
Algonac's 1,842 buildings earn a 18th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Algonac at the 18th percentile, close to its 18th-percentile risk score.
Algonac's building exposure, zone by zone
74% of Algonac's 1,842 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 8.6% Direct and 17.4% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Algonac ranks
Within Michigan, Algonac ranks higher (61st percentile) than it does nationally (18th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Algonac ranks 25,907 for wildfire risk (1 is highest) and 7,940 by building count (1 is largest). Within Michigan alone, it ranks 295 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
Algonac's low rating (18th 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
Algonac's 74% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,842 counted buildings into the percentiles shown above for Algonac. For more on what indirect exposure implies beyond Algonac, see the exposure-zones guide.