Bay Shore, MI
Bay Shore wildfire risk explained
USFS's Wildfire Risk to Communities model puts Bay Shore at the 26th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 500 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bay Shore's burn probability — fire likelihood with no building count factored in — sits at the 28th percentile nationally.
Where Bay Shore's buildings actually sit
Of Bay Shore's 500 counted buildings, 67.8% carry Direct exposure and only 3.4% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Bay Shore against the rest of the country
Compare Bay Shore's two percentiles: 78th within Michigan, only 26th nationally — a gap of 51 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Bay Shore ranks 23,194 for wildfire risk (1 is highest) and 17,355 by building count (1 is largest). Within Michigan alone, it ranks 167 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Bay Shore and the insurance market
Bay Shore's moderate rating (26th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 67.8% of Bay Shore 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 Bay Shore's figures come from
Every one of the two percentiles behind Bay Shore's 23,194-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Bay Shore's dominant direct exposure actually means, with real examples from across the dataset.