Burr Oak, MI
Burr Oak, MI's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Burr Oak at the 4th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 443 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Burr Oak at the 4th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Only 39.7% of Burr Oak's 443 buildings carry Direct exposure and 0% carry Indirect; the remaining 60.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Burr Oak ranks
Burr Oak's risk sits at a similar level relative to Michigan (9th percentile statewide) as it does nationally (4th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Burr Oak ranks 30,165 for wildfire risk (1 is highest) and 18,396 by building count (1 is largest). Within Michigan alone, it ranks 674 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 4th national percentile, Burr Oak rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 60.3% of buildings rated Minimal exposure, Burr Oak gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Burr Oak's figures come from
The methodology guide shows exactly how USFS turned 443 counted buildings into the percentiles shown above for Burr Oak. The exposure-zones guide covers what Burr Oak's dominant minimal exposure actually means, with real examples from across the dataset.