Harrison, MI
Harrison wildfire risk explained
USFS scores Harrison at the 29th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,283 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Harrison's burn probability — fire likelihood with no building count factored in — sits at the 28th percentile nationally.
Where Harrison's buildings actually sit
1,283 buildings are counted in Harrison, and 60.5% of them are Indirect exposure — ember-driven risk rather than the 36.2% in Direct exposure or the 3.4% rated Minimal.
Where Harrison ranks
Harrison's 81st-percentile standing inside Michigan outpaces its 29th 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, Harrison ranks 22,405 for wildfire risk (1 is highest) and 10,178 by building count (1 is largest). Within Michigan alone, it ranks 144 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 29th national percentile, Harrison rates moderate 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
With ember exposure the dominant pattern in Harrison (60.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Harrison's figures come from
Harrison's 29th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Harrison's dominant indirect exposure actually means, with real examples from across the dataset.