Hubbell, MI
How exposed is Hubbell to wildfire?
Out of every US place USFS scores, Hubbell lands at the 38th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 634 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hubbell at the 40th percentile, close to its 38th-percentile risk score.
Where Hubbell's buildings actually sit
USFS puts 75.2% of Hubbell's 634 buildings in the Indirect exposure zone, versus 24.8% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Hubbell against the rest of the country
Hubbell's 89th-percentile standing inside Michigan outpaces its 38th 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, Hubbell ranks 19,473 for wildfire risk (1 is highest) and 15,418 by building count (1 is largest). Within Michigan alone, it ranks 80 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
Hubbell's moderate rating (38th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Hubbell's 75.2% 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.
More on how this number was built
Every one of the two percentiles behind Hubbell's 19,473-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Hubbell, see the exposure-zones guide.