Flint, MI
Flint, MI's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Flint lands at the 8th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 53,377 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Flint at the 10th percentile, close to its 8th-percentile risk score.
Flint's building exposure, zone by zone
USFS classifies 98% of Flint's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 53,377 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Flint against the rest of the country
Flint's 25th-percentile standing inside Michigan outpaces its 8th 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, Flint ranks 28,993 for wildfire risk (1 is highest) and 156 by building count (1 is largest). Within Michigan alone, it ranks 564 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
Flint's low wildfire rating (8th 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.
Hardening a home in Flint
Even with 98% of Flint outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Flint's figures come from
Every one of the two percentiles behind Flint's 28,993-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Flint's dominant minimal exposure actually means, with real examples from across the dataset.