Harbor Springs, MI
Harbor Springs, MI's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Harbor Springs lands at the 22nd percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 1,267 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 Harbor Springs at the 22nd percentile, close to its 22nd-percentile risk score.
Harbor Springs's building exposure, zone by zone
Most of Harbor Springs's buildings (77.5%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Harbor Springs ranks
Within Michigan, Harbor Springs ranks higher (70th percentile) than it does nationally (22nd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Harbor Springs ranks 24,681 for wildfire risk (1 is highest) and 10,261 by building count (1 is largest). Within Michigan alone, it ranks 224 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Harbor Springs
Harbor Springs'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.
What would actually reduce this score
Because 77.5% of Harbor Springs'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.
More on how this number was built
Harbor Springs's 22nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Harbor Springs, see the exposure-zones guide.