Ida, MI
How exposed is Ida to wildfire?
Out of every US place USFS scores, Ida lands at the 5th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 537 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ida's burn probability — fire likelihood with no building count factored in — sits at the 5th percentile nationally.
Where Ida's buildings actually sit
USFS classifies 79.3% of Ida's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 20.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Ida ranks
Ida scores 5th nationally and 10th within Michigan — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Ida ranks 30,075 for wildfire risk (1 is highest) and 16,764 by building count (1 is largest). Within Michigan alone, it ranks 668 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
Ida's low rating (5th 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
Even with 79.3% of Ida outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 537 counted buildings into the percentiles shown above for Ida. For more on what minimal exposure implies beyond Ida, see the exposure-zones guide.