Fraser, MI
Fraser wildfire risk explained
USFS's Wildfire Risk to Communities model puts Fraser at the 4th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 6,344 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fraser's burn probability — fire likelihood with no building count factored in — sits at the 5th percentile nationally.
What "at risk" means for the buildings here
Most of Fraser's buildings (98.3% of 6,344) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 6,344 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Fraser ranks
There's little gap between Fraser's 4th national percentile and its 10th percentile inside Michigan, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Fraser ranks 30,166 for wildfire risk (1 is highest) and 2,730 by building count (1 is largest). Within Michigan alone, it ranks 675 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Fraser
At the 4th national percentile, Fraser 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 98.3% of buildings rated Minimal exposure, Fraser gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Fraser's figures come from
Every one of the two percentiles behind Fraser's 30,166-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Fraser's dominant minimal exposure actually means, with real examples from across the dataset.