Homer, MI
Homer wildfire risk explained
Out of every US place USFS scores, Homer lands at the 10th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 825 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Homer's burn probability — fire likelihood with no building count factored in — sits at the 11th percentile nationally.
Where Homer's buildings actually sit
87.5% of Homer's 825 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 12.5% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Homer compares
Homer's 36th-percentile standing inside Michigan outpaces its 10th 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, Homer ranks 28,280 for wildfire risk (1 is highest) and 13,394 by building count (1 is largest). Within Michigan alone, it ranks 481 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 10th national percentile, Homer rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Because 87.5% of Homer'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
The methodology guide shows exactly how USFS turned 825 counted buildings into the percentiles shown above for Homer. For more on what indirect exposure implies beyond Homer, see the exposure-zones guide.