Ashley, MI
How exposed is Ashley to wildfire?
USFS scores Ashley at the 7th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 344 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ashley at the 7th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Ashley's building exposure, zone by zone
Most of Ashley's buildings (78.2% of 344) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Ashley compares
Ashley scores 7th nationally and 18th within Michigan — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Ashley ranks 29,436 for wildfire risk (1 is highest) and 20,467 by building count (1 is largest). Within Michigan alone, it ranks 609 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
Ashley's low rating (7th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 78.2% of buildings rated Minimal exposure, Ashley gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Ashley's 7th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Ashley, see the exposure-zones guide.