Beal City, MI
How exposed is Beal City to wildfire?
Beal City's 291 buildings earn a 4th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Beal City's burn probability — fire likelihood with no building count factored in — sits at the 3rd percentile nationally.
What "at risk" means for the buildings here
Beal City rates 63.6% Minimal exposure against just 36.4% Direct and 0% Indirect — of 291 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Beal City compares
There's little gap between Beal City's 4th national percentile and its 6th percentile inside Michigan, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Beal City ranks 30,414 for wildfire risk (1 is highest) and 21,879 by building count (1 is largest). Within Michigan alone, it ranks 698 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
Beal City's low rating (4th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Beal City
Even with 63.6% of Beal City 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.
Where Beal City's figures come from
Beal City's 4th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Beal City's dominant minimal exposure actually means, with real examples from across the dataset.