Fennville, MI
How exposed is Fennville to wildfire?
Fennville sits at the 17th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 648 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fennville's burn probability — fire likelihood with no building count factored in — sits at the 18th percentile nationally.
Fennville's building exposure, zone by zone
Most of Fennville's buildings (79.2%) 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.
Fennville against the rest of the country
Compare Fennville's two percentiles: 58th within Michigan, only 17th nationally — a gap of 41 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Fennville ranks 26,131 for wildfire risk (1 is highest) and 15,218 by building count (1 is largest). Within Michigan alone, it ranks 311 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Fennville and the insurance market
Fennville's low wildfire rating (17th 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
With ember exposure the dominant pattern in Fennville (79.2% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Fennville's 26,131-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Fennville, see the exposure-zones guide.