Hart, MI
Hart wildfire risk explained
Hart sits at the 24th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 979 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hart at the 24th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Hart's buildings actually sit
Indirect exposure is dominant in Hart (83.7% of 979 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 8.6% sit in the Direct zone.
Hart against the rest of the country
Hart's 73rd-percentile standing inside Michigan outpaces its 24th 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, Hart ranks 24,109 for wildfire risk (1 is highest) and 12,080 by building count (1 is largest). Within Michigan alone, it ranks 203 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Hart
Hart's moderate wildfire rating (24th 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
Because 83.7% of Hart'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
Hart's 24th-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 Hart, see the exposure-zones guide.