Harvey, MI
Harvey, MI's wildfire risk, in USFS's own numbers
Harvey sits at the 51st percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,757 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 Harvey at the 52nd percentile, close to its 51st-percentile risk score.
Where Harvey's buildings actually sit
1,757 buildings are counted in Harvey, and 69.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.6% rated Minimal.
Where Harvey ranks
Harvey's 95th-percentile standing inside Michigan outpaces its 51st 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, Harvey ranks 15,442 for wildfire risk (1 is highest) and 8,202 by building count (1 is largest). Within Michigan alone, it ranks 35 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 51st national percentile, Harvey rates elevated 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 Harvey
Because Direct exposure dominates in Harvey (69.4%), 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
Harvey's 51st-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 Harvey, see the exposure-zones guide.