Ferrysburg, MI
Ferrysburg, MI's wildfire risk, in USFS's own numbers
USFS scores Ferrysburg at the 17th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 2,035 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ferrysburg's burn probability — fire likelihood with no building count factored in — sits at the 18th percentile nationally.
Where Ferrysburg's buildings actually sit
Indirect exposure is dominant in Ferrysburg (70% of 2,035 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 27.1% sit in the Direct zone.
Ferrysburg against the rest of the country
Compare Ferrysburg'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, Ferrysburg ranks 26,190 for wildfire risk (1 is highest) and 7,371 by building count (1 is largest). Within Michigan alone, it ranks 315 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 17th national percentile, Ferrysburg rates low 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
With ember exposure the dominant pattern in Ferrysburg (70% 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
The methodology guide shows exactly how USFS turned 2,035 counted buildings into the percentiles shown above for Ferrysburg. For more on what indirect exposure implies beyond Ferrysburg, see the exposure-zones guide.