Grosse Pointe, MI
Grosse Pointe wildfire risk explained
Out of every US place USFS scores, Grosse Pointe lands at the 4th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 2,559 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Grosse Pointe at the 5th percentile, close to its 4th-percentile risk score.
Grosse Pointe's building exposure, zone by zone
99% of Grosse Pointe's 2,559 buildings sit in USFS's Minimal exposure zone, with only 1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Grosse Pointe compares
Grosse Pointe's risk sits at a similar level relative to Michigan (8th percentile statewide) as it does nationally (4th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Grosse Pointe ranks 30,324 for wildfire risk (1 is highest) and 6,182 by building count (1 is largest). Within Michigan alone, it ranks 687 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
Grosse Pointe's low wildfire rating (4th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Grosse Pointe's 99% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,559 counted buildings into the percentiles shown above for Grosse Pointe. For more on what minimal exposure implies beyond Grosse Pointe, see the exposure-zones guide.