Arcadia, MI
How exposed is Arcadia to wildfire?
USFS scores Arcadia at the 24th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 434 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Arcadia's burn probability — fire likelihood with no building count factored in — sits at the 24th percentile nationally.
What "at risk" means for the buildings here
434 buildings are counted in Arcadia, and 66.8% of them are Indirect exposure — ember-driven risk rather than the 23.7% in Direct exposure or the 9.5% rated Minimal.
Where Arcadia ranks
Within Michigan, Arcadia ranks higher (75th percentile) than it does nationally (24th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Arcadia ranks 23,835 for wildfire risk (1 is highest) and 18,564 by building count (1 is largest). Within Michigan alone, it ranks 188 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Arcadia
Arcadia's moderate wildfire rating (24th 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.
What would actually reduce this score
Because 66.8% of Arcadia'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.
More on how this number was built
The methodology guide shows exactly how USFS turned 434 counted buildings into the percentiles shown above for Arcadia. For more on what indirect exposure implies beyond Arcadia, see the exposure-zones guide.