Hubbardston, MI
Hubbardston wildfire risk explained
Out of every US place USFS scores, Hubbardston lands at the 14th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 259 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hubbardston's burn probability — fire likelihood with no building count factored in — sits at the 14th percentile nationally.
What "at risk" means for the buildings here
259 buildings are counted in Hubbardston, and 52.9% 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% rated Minimal.
Where Hubbardston ranks
Compare Hubbardston's two percentiles: 50th within Michigan, only 14th nationally — a gap of 36 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Hubbardston ranks 26,981 for wildfire risk (1 is highest) and 22,854 by building count (1 is largest). Within Michigan alone, it ranks 373 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
Hubbardston's low rating (14th 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
Because Direct exposure dominates in Hubbardston (52.9%), 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
Every one of the two percentiles behind Hubbardston's 26,981-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Hubbardston, see the exposure-zones guide.