Croswell, MI
Croswell, MI's wildfire risk, in USFS's own numbers
USFS scores Croswell at the 5th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,217 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Croswell at the 5th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 73.5% of Croswell's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 26.5% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Croswell against the rest of the country
There's little gap between Croswell's 5th national percentile and its 10th percentile inside Michigan, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Croswell ranks 30,073 for wildfire risk (1 is highest) and 10,548 by building count (1 is largest). Within Michigan alone, it ranks 666 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Croswell and the insurance market
Croswell's low wildfire rating (5th 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.
Hardening a home in Croswell
Croswell's 73.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,217 counted buildings into the percentiles shown above for Croswell. For more on what minimal exposure implies beyond Croswell, see the exposure-zones guide.