Fostoria, MI
Fostoria wildfire risk explained
Fostoria sits at the 10th 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 491 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fostoria at the 10th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Fostoria's building exposure, zone by zone
491 buildings are counted in Fostoria, and 79.8% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 20.2% rated Minimal.
How Fostoria compares
Compare Fostoria's two percentiles: 32nd within Michigan, only 10th nationally — a gap of 22 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Fostoria ranks 28,497 for wildfire risk (1 is highest) and 17,513 by building count (1 is largest). Within Michigan alone, it ranks 508 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 10th national percentile, Fostoria rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 79.8% of Fostoria in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 491 counted buildings into the percentiles shown above for Fostoria. For more on what direct exposure implies beyond Fostoria, see the exposure-zones guide.