Bath, MI
Bath, MI's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Bath lands at the 21st percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 1,287 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bath at the 22nd percentile, close to its 21st-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Bath: 68.7% of its 1,287 buildings, versus 31% Indirect and 0.3% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Bath ranks
Within Michigan, Bath ranks higher (68th percentile) than it does nationally (21st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Bath ranks 24,997 for wildfire risk (1 is highest) and 10,147 by building count (1 is largest). Within Michigan alone, it ranks 236 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
Bath's moderate wildfire rating (21st 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 68.7% of Bath in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Bath's figures come from
The methodology guide shows exactly how USFS turned 1,287 counted buildings into the percentiles shown above for Bath. The exposure-zones guide covers what Bath's dominant direct exposure actually means, with real examples from across the dataset.