Indian River, MI
Indian River, MI's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Indian River lands at the 30th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 2,373 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Indian River's burn probability — fire likelihood with no building count factored in — sits at the 27th percentile nationally.
Indian River's building exposure, zone by zone
64.3% of Indian River's 2,373 buildings sit in USFS's Direct exposure zone, roughly 1,525 structures close enough to burnable vegetation for flame contact, not just embers — 32.7% fall in the Indirect, ember-only zone and 3.1% are Minimal.
Indian River against the rest of the country
Indian River's 83rd-percentile standing inside Michigan outpaces its 30th 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, Indian River ranks 21,995 for wildfire risk (1 is highest) and 6,564 by building count (1 is largest). Within Michigan alone, it ranks 130 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Indian River and the insurance market
At the 30th national percentile, Indian River 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
Indian River's 64.3% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Indian River's 21,995-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Indian River, see the exposure-zones guide.