Hancock, MI
Hancock wildfire risk explained
USFS scores Hancock at the 34th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,853 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hancock at the 34th percentile, close to its 34th-percentile risk score.
Hancock's building exposure, zone by zone
1,853 buildings are counted in Hancock, and 93% of them are Indirect exposure — ember-driven risk rather than the 6.7% in Direct exposure or the 0.3% rated Minimal.
How Hancock compares
Hancock's 86th-percentile standing inside Michigan outpaces its 34th 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, Hancock ranks 20,855 for wildfire risk (1 is highest) and 7,902 by building count (1 is largest). Within Michigan alone, it ranks 109 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
Hancock's moderate rating (34th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Hancock (93% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,853 counted buildings into the percentiles shown above for Hancock. For more on what indirect exposure implies beyond Hancock, see the exposure-zones guide.