Bay View, MI
Bay View, MI's wildfire risk, in USFS's own numbers
Bay View's 547 buildings earn a 10th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bay View at the 9th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Bay View's buildings actually sit
56.9% of Bay View's 547 buildings sit in USFS's Minimal exposure zone, with only 32.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Bay View against the rest of the country
Within Michigan, Bay View ranks higher (31st percentile) than it does nationally (10th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Bay View ranks 28,523 for wildfire risk (1 is highest) and 16,613 by building count (1 is largest). Within Michigan alone, it ranks 512 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
At the 10th national percentile, Bay View rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Bay View
With 56.9% of buildings rated Minimal exposure, Bay View 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
The methodology guide shows exactly how USFS turned 547 counted buildings into the percentiles shown above for Bay View. For more on what minimal exposure implies beyond Bay View, see the exposure-zones guide.