Farwell, MI
Farwell, MI's wildfire risk, in USFS's own numbers
USFS scores Farwell at the 24th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 556 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Farwell's burn probability — fire likelihood with no building count factored in — sits at the 24th percentile nationally.
Farwell's building exposure, zone by zone
61% of Farwell's 556 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 39% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Farwell ranks
Farwell's 74th-percentile standing inside Michigan outpaces its 24th 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, Farwell ranks 23,916 for wildfire risk (1 is highest) and 16,477 by building count (1 is largest). Within Michigan alone, it ranks 194 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
At the 24th national percentile, Farwell rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Farwell's 61% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Farwell's 23,916-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Farwell, see the exposure-zones guide.