Canadian Lakes, MI
Canadian Lakes, MI's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Canadian Lakes lands at the 24th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 2,114 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Canadian Lakes at the 24th percentile, close to its 24th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 68% of Canadian Lakes's buildings as Direct exposure, higher than its 25.8% Indirect share and far above its 6.2% Minimal share — a profile where 1,437 structures sit close enough to vegetation that lot clearing matters most.
Where Canadian Lakes ranks
Compare Canadian Lakes's two percentiles: 74th within Michigan, only 24th nationally — a gap of 50 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Canadian Lakes ranks 23,915 for wildfire risk (1 is highest) and 7,154 by building count (1 is largest). Within Michigan alone, it ranks 193 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 24th national percentile, Canadian Lakes rates moderate 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
Canadian Lakes's 68% 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 Canadian Lakes's figures come from
Canadian Lakes's 24th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Canadian Lakes's dominant direct exposure actually means, with real examples from across the dataset.