Concord, MI
Concord wildfire risk explained
USFS's Wildfire Risk to Communities model puts Concord at the 12th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 648 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Concord at the 13th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Concord's building exposure, zone by zone
Indirect exposure is dominant in Concord (58% of 648 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 42% sit in the Direct zone.
Where Concord ranks
Compare Concord's two percentiles: 42nd within Michigan, only 12th nationally — a gap of 29 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Concord ranks 27,702 for wildfire risk (1 is highest) and 15,217 by building count (1 is largest). Within Michigan alone, it ranks 434 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Concord
Concord's low rating (12th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Concord's 58% 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 Concord's figures come from
Concord's 12th-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 Concord's dominant indirect exposure actually means, with real examples from across the dataset.