Hersey, MI
How exposed is Hersey to wildfire?
Hersey's 245 buildings earn a 20th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hersey at the 19th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 59.2% of Hersey's buildings as Direct exposure, higher than its 40.8% Indirect share and far above its 0% Minimal share — a profile where 145 structures sit close enough to vegetation that lot clearing matters most.
Where Hersey ranks
Within Michigan, Hersey ranks higher (66th percentile) than it does nationally (20th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Hersey ranks 25,341 for wildfire risk (1 is highest) and 23,298 by building count (1 is largest). Within Michigan alone, it ranks 257 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 20th national percentile, Hersey rates low 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 59.2% of Hersey in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Hersey'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 Hersey, see the exposure-zones guide.