Keego Harbor, MI
How exposed is Keego Harbor to wildfire?
Out of every US place USFS scores, Keego Harbor lands at the 7th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 1,226 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Keego Harbor at the 8th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Keego Harbor's buildings actually sit
USFS classifies 98.4% of Keego Harbor's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 1.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Keego Harbor compares
Keego Harbor's risk sits at a similar level relative to Michigan (18th percentile statewide) as it does nationally (7th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Keego Harbor ranks 29,437 for wildfire risk (1 is highest) and 10,492 by building count (1 is largest). Within Michigan alone, it ranks 610 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Keego Harbor and the insurance market
At the 7th national percentile, Keego Harbor rates low 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
Even with 98.4% of Keego Harbor 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 1,226 counted buildings into the percentiles shown above for Keego Harbor. For more on what minimal exposure implies beyond Keego Harbor, see the exposure-zones guide.