Grand Haven, MI
Grand Haven, MI's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Grand Haven at the 14th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 5,468 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Grand Haven at the 16th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Grand Haven's building exposure, zone by zone
Indirect exposure is dominant in Grand Haven (75.3% of 5,468 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 8.4% sit in the Direct zone. At 5,468 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Grand Haven ranks
Grand Haven's 50th-percentile standing inside Michigan outpaces its 14th 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, Grand Haven ranks 26,949 for wildfire risk (1 is highest) and 3,157 by building count (1 is largest). Within Michigan alone, it ranks 371 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 14th national percentile, Grand Haven 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
Because 75.3% of Grand Haven's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Grand Haven's figures come from
The methodology guide shows exactly how USFS turned 5,468 counted buildings into the percentiles shown above for Grand Haven. The exposure-zones guide covers what Grand Haven's dominant indirect exposure actually means, with real examples from across the dataset.