Chums Corner, MI
How exposed is Chums Corner to wildfire?
USFS scores Chums Corner at the 22nd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 710 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Chums Corner's burn probability — fire likelihood with no building count factored in — sits at the 22nd percentile nationally.
Chums Corner's building exposure, zone by zone
710 buildings are counted in Chums Corner, and 55.1% of them are Indirect exposure — ember-driven risk rather than the 39% in Direct exposure or the 5.9% rated Minimal.
Chums Corner against the rest of the country
Chums Corner's 71st-percentile standing inside Michigan outpaces its 22nd 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, Chums Corner ranks 24,519 for wildfire risk (1 is highest) and 14,563 by building count (1 is largest). Within Michigan alone, it ranks 220 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 22nd national percentile, Chums Corner rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Chums Corner
With ember exposure the dominant pattern in Chums Corner (55.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Chums Corner's figures come from
Chums Corner's 22nd-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 Chums Corner's dominant indirect exposure actually means, with real examples from across the dataset.