Eagle Harbor, MI
Eagle Harbor wildfire risk explained
Eagle Harbor sits at the 61st percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 248 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Eagle Harbor at the 58th national percentile — 3 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
45.2% of Eagle Harbor's 248 buildings sit in USFS's Direct exposure zone, roughly 112 structures close enough to burnable vegetation for flame contact, not just embers — 44.4% fall in the Indirect, ember-only zone and 10.5% are Minimal.
Where Eagle Harbor ranks
Eagle Harbor's 98th-percentile standing inside Michigan outpaces its 61st national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Eagle Harbor ranks 12,192 for wildfire risk (1 is highest) and 23,204 by building count (1 is largest). Within Michigan alone, it ranks 17 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Eagle Harbor and the insurance market
Eagle Harbor's 61st-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Eagle Harbor
Because Direct exposure dominates in Eagle Harbor (45.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Eagle Harbor's figures come from
The methodology guide shows exactly how USFS turned 248 counted buildings into the percentiles shown above for Eagle Harbor. The exposure-zones guide covers what Eagle Harbor's dominant direct exposure actually means, with real examples from across the dataset.