Hermansville, MI
Hermansville wildfire risk explained
USFS's Wildfire Risk to Communities model puts Hermansville at the 42nd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 369 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hermansville at the 42nd percentile, close to its 42nd-percentile risk score.
Where Hermansville's buildings actually sit
Indirect exposure is dominant in Hermansville (57.5% of 369 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 42.6% sit in the Direct zone.
How Hermansville compares
Compare Hermansville's two percentiles: 92nd within Michigan, only 42nd nationally — a gap of 51 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Hermansville ranks 18,400 for wildfire risk (1 is highest) and 19,884 by building count (1 is largest). Within Michigan alone, it ranks 59 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Hermansville and the insurance market
Hermansville's elevated rating (42nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Hermansville's 57.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Hermansville's figures come from
Every one of the two percentiles behind Hermansville's 18,400-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hermansville's dominant indirect exposure actually means, with real examples from across the dataset.