Hubbard Lake, MI
Hubbard Lake wildfire risk explained
Out of every US place USFS scores, Hubbard Lake lands at the 32nd percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 1,744 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hubbard Lake's burn probability — fire likelihood with no building count factored in — sits at the 32nd percentile nationally.
What "at risk" means for the buildings here
USFS classifies 79.6% of Hubbard Lake's buildings as Direct exposure, higher than its 10% Indirect share and far above its 10.4% Minimal share — a profile where 1,388 structures sit close enough to vegetation that lot clearing matters most.
How Hubbard Lake compares
Within Michigan, Hubbard Lake ranks higher (84th percentile) than it does nationally (32nd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Hubbard Lake ranks 21,585 for wildfire risk (1 is highest) and 8,248 by building count (1 is largest). Within Michigan alone, it ranks 121 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Hubbard Lake and the insurance market
At the 32nd national percentile, Hubbard Lake rates moderate 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 Direct exposure dominates in Hubbard Lake (79.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Hubbard Lake's figures come from
Every one of the two percentiles behind Hubbard Lake's 21,585-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hubbard Lake's dominant direct exposure actually means, with real examples from across the dataset.