Filer City, MI
Filer City, MI's wildfire risk, in USFS's own numbers
USFS scores Filer City at the 38th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 103 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Filer City at the 37th national percentile — 1 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
97.1% of Filer City's 103 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 2.9% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Filer City compares
Filer City's 90th-percentile standing inside Michigan outpaces its 38th 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, Filer City ranks 19,411 for wildfire risk (1 is highest) and 28,899 by building count (1 is largest). Within Michigan alone, it ranks 77 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Filer City
Filer City's moderate wildfire rating (38th 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
Filer City's 97.1% 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
The methodology guide shows exactly how USFS turned 103 counted buildings into the percentiles shown above for Filer City. For more on what indirect exposure implies beyond Filer City, see the exposure-zones guide.