Coleman, MI
Coleman wildfire risk explained
Coleman sits at the 16th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 641 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Coleman at the 15th percentile, close to its 16th-percentile risk score.
Where Coleman's buildings actually sit
Most of Coleman's buildings (75.8% of 641) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Coleman ranks
Coleman's 55th-percentile standing inside Michigan outpaces its 16th 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, Coleman ranks 26,534 for wildfire risk (1 is highest) and 15,308 by building count (1 is largest). Within Michigan alone, it ranks 334 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 16th national percentile, Coleman rates low 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 75.8% of buildings rated Minimal exposure, Coleman gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Coleman's figures come from
Every one of the two percentiles behind Coleman's 26,534-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Coleman's dominant minimal exposure actually means, with real examples from across the dataset.