Durand, MI
Durand wildfire risk explained
Out of every US place USFS scores, Durand lands at the 5th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 1,675 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Durand's burn probability — fire likelihood with no building count factored in — sits at the 5th percentile nationally.
Where Durand's buildings actually sit
Most of Durand's buildings (95.9% of 1,675) 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.
Where Durand ranks
Durand's risk sits at a similar level relative to Michigan (11th percentile statewide) as it does nationally (5th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Durand ranks 30,074 for wildfire risk (1 is highest) and 8,507 by building count (1 is largest). Within Michigan alone, it ranks 667 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
Durand's low rating (5th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 95.9% of buildings rated Minimal exposure, Durand gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,675 counted buildings into the percentiles shown above for Durand. For more on what minimal exposure implies beyond Durand, see the exposure-zones guide.