Bear Lake (Manistee), MI
Bear Lake (Manistee), MI's wildfire risk, in USFS's own numbers
Bear Lake (Manistee)'s 236 buildings earn a 23rd-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bear Lake (Manistee) at the 23rd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Bear Lake (Manistee)'s buildings actually sit
USFS puts 67.4% of Bear Lake (Manistee)'s 236 buildings in the Indirect exposure zone, versus 31.8% Direct and 0.9% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Bear Lake (Manistee) compares
Within Michigan, Bear Lake (Manistee) ranks higher (71st percentile) than it does nationally (23rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Bear Lake (Manistee) ranks 24,394 for wildfire risk (1 is highest) and 23,595 by building count (1 is largest). Within Michigan alone, it ranks 216 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
Bear Lake (Manistee)'s moderate rating (23rd 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 Bear Lake (Manistee)
Bear Lake (Manistee)'s 67.4% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Bear Lake (Manistee)'s 23rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Bear Lake (Manistee), see the exposure-zones guide.