Comstock Northwest, MI
Comstock Northwest wildfire risk explained
USFS's Wildfire Risk to Communities model puts Comstock Northwest at the 11th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,892 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Comstock Northwest at the 12th percentile, close to its 11th-percentile risk score.
Comstock Northwest's building exposure, zone by zone
USFS puts 68.7% of Comstock Northwest's 1,892 buildings in the Indirect exposure zone, versus 29.9% Direct and 1.5% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Comstock Northwest against the rest of the country
Within Michigan, Comstock Northwest ranks higher (37th percentile) than it does nationally (11th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Comstock Northwest ranks 28,175 for wildfire risk (1 is highest) and 7,788 by building count (1 is largest). Within Michigan alone, it ranks 471 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
Comstock Northwest's low wildfire rating (11th 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.
What would actually reduce this score
Comstock Northwest's 68.7% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Comstock Northwest's figures come from
Comstock Northwest's 11th-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 Comstock Northwest's dominant indirect exposure actually means, with real examples from across the dataset.