Eagle River, MI
Eagle River, MI's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Eagle River lands at the 52nd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 170 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Eagle River's burn probability — fire likelihood with no building count factored in — sits at the 49th percentile nationally.
Eagle River's building exposure, zone by zone
USFS classifies 61.8% of Eagle River's buildings as Direct exposure, higher than its 35.9% Indirect share and far above its 2.4% Minimal share — a profile where 105 structures sit close enough to vegetation that lot clearing matters most.
Where Eagle River ranks
Eagle River's 96th-percentile standing inside Michigan outpaces its 52nd 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 River ranks 15,282 for wildfire risk (1 is highest) and 26,029 by building count (1 is largest). Within Michigan alone, it ranks 32 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
Eagle River's elevated wildfire rating (52nd 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.
Lowering exposure, not just insuring around it
Eagle River's 61.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Eagle River's 52nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Eagle River, see the exposure-zones guide.