Dearborn Heights, MI
Dearborn Heights, MI's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Dearborn Heights lands at the 8th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 32,017 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Dearborn Heights at the 10th national percentile — 2 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
Most of Dearborn Heights's buildings (99.4% of 32,017) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 32,017 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Dearborn Heights ranks
Compare Dearborn Heights's two percentiles: 26th within Michigan, only 8th nationally — a gap of 18 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Dearborn Heights ranks 28,907 for wildfire risk (1 is highest) and 348 by building count (1 is largest). Within Michigan alone, it ranks 555 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
Dearborn Heights's low rating (8th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Dearborn Heights's 99.4% 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.
Where Dearborn Heights's figures come from
The methodology guide shows exactly how USFS turned 32,017 counted buildings into the percentiles shown above for Dearborn Heights. The exposure-zones guide covers what Dearborn Heights's dominant minimal exposure actually means, with real examples from across the dataset.