Hartland, MI
Hartland wildfire risk explained
USFS scores Hartland at the 20th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 393 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hartland at the 21st national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Of Hartland's 393 counted buildings, 73.5% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Hartland against the rest of the country
Compare Hartland's two percentiles: 65th within Michigan, only 20th nationally — a gap of 46 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Hartland ranks 25,371 for wildfire risk (1 is highest) and 19,351 by building count (1 is largest). Within Michigan alone, it ranks 260 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
Hartland's low wildfire rating (20th 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.
Hardening a home in Hartland
Because Direct exposure dominates in Hartland (73.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Hartland's 20th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Hartland, see the exposure-zones guide.