Cross Village, MI
Cross Village, MI's wildfire risk, in USFS's own numbers
Cross Village sits at the 20th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 155 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cross Village at the 19th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Of Cross Village's 155 counted buildings, 87.7% 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 Cross Village ranks
Compare Cross Village's two percentiles: 68th within Michigan, only 20th nationally — a gap of 47 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Cross Village ranks 25,123 for wildfire risk (1 is highest) and 26,654 by building count (1 is largest). Within Michigan alone, it ranks 242 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
Cross Village's moderate wildfire rating (20th 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
Because Direct exposure dominates in Cross Village (87.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Cross Village's figures come from
Every one of the two percentiles behind Cross Village's 25,123-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cross Village's dominant direct exposure actually means, with real examples from across the dataset.