Center Line, MI
How exposed is Center Line to wildfire?
USFS scores Center Line at the 2nd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 3,886 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 Center Line at the 3rd percentile, close to its 2nd-percentile risk score.
Where Center Line's buildings actually sit
Center Line rates 99.9% Minimal exposure against just 0.1% Direct and 0% Indirect — of 3,886 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Center Line against the rest of the country
There's little gap between Center Line's 2nd national percentile and its 4th percentile inside Michigan, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Center Line ranks 30,765 for wildfire risk (1 is highest) and 4,353 by building count (1 is largest). Within Michigan alone, it ranks 717 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 2nd national percentile, Center Line rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Center Line's 99.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Center Line's 2nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Center Line, see the exposure-zones guide.