Cadillac, MI
How exposed is Cadillac to wildfire?
Cadillac's 4,971 buildings earn a 27th-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 Cadillac at the 26th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Cadillac rates 72.1% Minimal exposure against just 8.6% Direct and 19.3% Indirect — of 4,971 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Cadillac against the rest of the country
Within Michigan, Cadillac ranks higher (78th percentile) than it does nationally (27th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Cadillac ranks 23,071 for wildfire risk (1 is highest) and 3,446 by building count (1 is largest). Within Michigan alone, it ranks 163 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Cadillac and the insurance market
At the 27th national percentile, Cadillac rates moderate 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
Cadillac's 72.1% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Cadillac's 23,071-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Cadillac, see the exposure-zones guide.