Baroda, MI
Baroda, MI's wildfire risk, in USFS's own numbers
USFS scores Baroda at the 4th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 506 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Baroda's burn probability — fire likelihood with no building count factored in — sits at the 4th percentile nationally.
Baroda's building exposure, zone by zone
85% of Baroda's 506 buildings sit in USFS's Minimal exposure zone, with only 15% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Baroda against the rest of the country
Baroda's risk sits at a similar level relative to Michigan (9th percentile statewide) as it does nationally (4th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Baroda ranks 30,291 for wildfire risk (1 is highest) and 17,242 by building count (1 is largest). Within Michigan alone, it ranks 679 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Baroda and the insurance market
Baroda's low wildfire rating (4th 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.
Hardening a home in Baroda
Even with 85% of Baroda outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 506 counted buildings into the percentiles shown above for Baroda. For more on what minimal exposure implies beyond Baroda, see the exposure-zones guide.