Cambria, MI
Cambria, MI's wildfire risk, in USFS's own numbers
Cambria's 198 buildings earn a 11th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cambria at the 12th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Cambria's buildings actually sit
74.8% of Cambria's 198 buildings sit in USFS's Direct exposure zone, roughly 148 structures close enough to burnable vegetation for flame contact, not just embers — 25.3% fall in the Indirect, ember-only zone and 0% are Minimal.
Cambria against the rest of the country
Cambria's 39th-percentile standing inside Michigan outpaces its 11th 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, Cambria ranks 27,955 for wildfire risk (1 is highest) and 24,922 by building count (1 is largest). Within Michigan alone, it ranks 454 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Cambria and the insurance market
At the 11th national percentile, Cambria rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Cambria's 74.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Cambria's figures come from
The methodology guide shows exactly how USFS turned 198 counted buildings into the percentiles shown above for Cambria. The exposure-zones guide covers what Cambria's dominant direct exposure actually means, with real examples from across the dataset.