Camden, MI
Camden wildfire risk explained
USFS scores Camden at the 12th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 273 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Camden's burn probability — fire likelihood with no building count factored in — sits at the 12th percentile nationally.
Camden's building exposure, zone by zone
USFS puts 74% of Camden's 273 buildings in the Indirect exposure zone, versus 26% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Camden against the rest of the country
Compare Camden's two percentiles: 42nd within Michigan, only 12th nationally — a gap of 30 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Camden ranks 27,673 for wildfire risk (1 is highest) and 22,420 by building count (1 is largest). Within Michigan alone, it ranks 432 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Camden
Camden's low rating (12th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Because 74% of Camden's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Camden's 12th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Camden, see the exposure-zones guide.