Bangor, MI
How exposed is Bangor to wildfire?
Bangor's 910 buildings earn a 12th-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 Bangor at the 13th percentile, close to its 12th-percentile risk score.
Where Bangor's buildings actually sit
64.6% of Bangor's 910 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 35.4% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Bangor compares
Compare Bangor's two percentiles: 41st within Michigan, only 12th nationally — a gap of 29 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Bangor ranks 27,803 for wildfire risk (1 is highest) and 12,636 by building count (1 is largest). Within Michigan alone, it ranks 444 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Bangor and the insurance market
Bangor's low wildfire rating (12th 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
With ember exposure the dominant pattern in Bangor (64.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 910 counted buildings into the percentiles shown above for Bangor. For more on what indirect exposure implies beyond Bangor, see the exposure-zones guide.