Glen Arbor, MI
Glen Arbor, MI's wildfire risk, in USFS's own numbers
Glen Arbor's 480 buildings earn a 15th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Glen Arbor at the 15th national percentile — 0 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
64.2% of Glen Arbor's 480 buildings sit in USFS's Direct exposure zone, roughly 308 structures close enough to burnable vegetation for flame contact, not just embers — 35.8% fall in the Indirect, ember-only zone and 0% are Minimal.
Glen Arbor against the rest of the country
Glen Arbor's 52nd-percentile standing inside Michigan outpaces its 15th 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, Glen Arbor ranks 26,752 for wildfire risk (1 is highest) and 17,702 by building count (1 is largest). Within Michigan alone, it ranks 355 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
Glen Arbor's low rating (15th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 64.2% of Glen Arbor 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 480 counted buildings into the percentiles shown above for Glen Arbor. For more on what direct exposure implies beyond Glen Arbor, see the exposure-zones guide.