Carney, MI
Carney, MI's wildfire risk, in USFS's own numbers
USFS scores Carney at the 40th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 179 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 Carney at the 41st percentile, close to its 40th-percentile risk score.
What "at risk" means for the buildings here
179 buildings are counted in Carney, and 65.4% of them are Indirect exposure — ember-driven risk rather than the 34.6% in Direct exposure or the 0% rated Minimal.
How Carney compares
Carney's 91st-percentile standing inside Michigan outpaces its 40th 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, Carney ranks 18,878 for wildfire risk (1 is highest) and 25,674 by building count (1 is largest). Within Michigan alone, it ranks 69 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 40th national percentile, Carney rates elevated 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
With ember exposure the dominant pattern in Carney (65.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 179 counted buildings into the percentiles shown above for Carney. For more on what indirect exposure implies beyond Carney, see the exposure-zones guide.