Harper Woods, MI
Harper Woods wildfire risk explained
Harper Woods sits at the 4th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 7,219 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Harper Woods at the 5th percentile, close to its 4th-percentile risk score.
What "at risk" means for the buildings here
Harper Woods rates 99.1% Minimal exposure against just 0.9% Direct and 0% Indirect — of 7,219 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 7,219 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Harper Woods compares
There's little gap between Harper Woods's 4th national percentile and its 8th percentile inside Michigan, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Harper Woods ranks 30,292 for wildfire risk (1 is highest) and 2,375 by building count (1 is largest). Within Michigan alone, it ranks 680 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 4th national percentile, Harper Woods rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Harper Woods
With 99.1% of buildings rated Minimal exposure, Harper Woods gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Harper Woods's 30,292-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Harper Woods, see the exposure-zones guide.