Caledonia, MI
Caledonia, MI's wildfire risk, in USFS's own numbers
USFS scores Caledonia at the 9th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 760 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Caledonia at the 10th percentile, close to its 9th-percentile risk score.
Caledonia's building exposure, zone by zone
Caledonia rates 79.6% Minimal exposure against just 20.4% Direct and 0% Indirect — of 760 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Caledonia compares
Caledonia's 29th-percentile standing inside Michigan outpaces its 9th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Caledonia ranks 28,649 for wildfire risk (1 is highest) and 14,016 by building count (1 is largest). Within Michigan alone, it ranks 527 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Caledonia and the insurance market
Caledonia's low wildfire rating (9th 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.
Lowering exposure, not just insuring around it
Caledonia's 79.6% 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.
Where Caledonia's figures come from
Every one of the two percentiles behind Caledonia's 28,649-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Caledonia's dominant minimal exposure actually means, with real examples from across the dataset.