Allegan, MI
Allegan wildfire risk explained
Out of every US place USFS scores, Allegan lands at the 11th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 2,043 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Allegan at the 12th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Allegan's building exposure, zone by zone
62.4% of Allegan's 2,043 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 27.3% Direct and 10.4% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Allegan ranks
Within Michigan, Allegan ranks higher (39th 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, Allegan ranks 27,954 for wildfire risk (1 is highest) and 7,347 by building count (1 is largest). Within Michigan alone, it ranks 453 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
At the 11th national percentile, Allegan rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because 62.4% of Allegan's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Allegan's figures come from
Every one of the two percentiles behind Allegan's 27,954-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Allegan's dominant indirect exposure actually means, with real examples from across the dataset.