Covington, MI
Covington, MI's wildfire risk, in USFS's own numbers
Covington's 168 buildings earn a 55th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Covington at the 57th percentile, close to its 55th-percentile risk score.
Covington's building exposure, zone by zone
Of Covington's 168 counted buildings, 98.8% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Covington ranks
Covington's 97th-percentile standing inside Michigan outpaces its 55th 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, Covington ranks 14,213 for wildfire risk (1 is highest) and 26,097 by building count (1 is largest). Within Michigan alone, it ranks 25 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Covington and the insurance market
At the 55th national percentile, Covington rates elevated 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
Covington's 98.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Covington's 55th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Covington, see the exposure-zones guide.