Dollar Bay, MI
Dollar Bay, MI's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Dollar Bay at the 32nd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 713 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Dollar Bay at the 33rd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Dollar Bay's building exposure, zone by zone
Most of Dollar Bay's buildings (66.9%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Dollar Bay compares
Compare Dollar Bay's two percentiles: 84th within Michigan, only 32nd nationally — a gap of 52 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Dollar Bay ranks 21,488 for wildfire risk (1 is highest) and 14,529 by building count (1 is largest). Within Michigan alone, it ranks 119 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Dollar Bay and the insurance market
Dollar Bay's moderate wildfire rating (32nd 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 Dollar Bay
With ember exposure the dominant pattern in Dollar Bay (66.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Dollar Bay's figures come from
Dollar Bay's 32nd-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 Dollar Bay's dominant indirect exposure actually means, with real examples from across the dataset.