Carp Lake, MI
Carp Lake, MI's wildfire risk, in USFS's own numbers
Carp Lake's 621 buildings earn a 14th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Carp Lake's burn probability — fire likelihood with no building count factored in — sits at the 14th percentile nationally.
Carp Lake's building exposure, zone by zone
Of Carp Lake's 621 counted buildings, 77.1% carry Direct exposure and only 7.3% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Carp Lake compares
Compare Carp Lake's two percentiles: 48th within Michigan, only 14th nationally — a gap of 34 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Carp Lake ranks 27,197 for wildfire risk (1 is highest) and 15,541 by building count (1 is largest). Within Michigan alone, it ranks 389 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Carp Lake
Carp Lake's low wildfire rating (14th 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
Carp Lake's 77.1% 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.
More on how this number was built
Carp Lake's 14th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Carp Lake, see the exposure-zones guide.