Boyne City, MI
Boyne City wildfire risk explained
USFS scores Boyne City at the 24th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 2,450 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Boyne City's burn probability — fire likelihood with no building count factored in — sits at the 24th percentile nationally.
Boyne City's building exposure, zone by zone
2,450 buildings are counted in Boyne City, and 75.9% of them are Indirect exposure — ember-driven risk rather than the 23.5% in Direct exposure or the 0.6% rated Minimal.
Where Boyne City ranks
Compare Boyne City's two percentiles: 75th within Michigan, only 24th nationally — a gap of 50 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Boyne City ranks 23,885 for wildfire risk (1 is highest) and 6,395 by building count (1 is largest). Within Michigan alone, it ranks 190 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Boyne City
Boyne City's moderate wildfire rating (24th 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.
Hardening a home in Boyne City
Boyne City's 75.9% 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.
Where Boyne City's figures come from
Boyne City's 24th-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 Boyne City's dominant indirect exposure actually means, with real examples from across the dataset.