Gibraltar, MI
How exposed is Gibraltar to wildfire?
USFS's Wildfire Risk to Communities model puts Gibraltar at the 22nd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 2,317 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Gibraltar at the 23rd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Gibraltar's buildings actually sit
Only 2.9% of Gibraltar's 2,317 buildings carry Direct exposure and 0% carry Indirect; the remaining 97.1% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Gibraltar compares
Compare Gibraltar's two percentiles: 70th within Michigan, only 22nd nationally — a gap of 48 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Gibraltar ranks 24,711 for wildfire risk (1 is highest) and 6,667 by building count (1 is largest). Within Michigan alone, it ranks 226 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
Gibraltar's moderate rating (22nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Gibraltar
With 97.1% of buildings rated Minimal exposure, Gibraltar gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Gibraltar's figures come from
Every one of the two percentiles behind Gibraltar's 24,711-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Gibraltar's dominant minimal exposure actually means, with real examples from across the dataset.