Laingsburg, MI
Laingsburg, MI's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Laingsburg at the 19th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 679 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Laingsburg at the 20th percentile, close to its 19th-percentile risk score.
Laingsburg's building exposure, zone by zone
Indirect exposure is dominant in Laingsburg (59.1% of 679 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 40.9% sit in the Direct zone.
Where Laingsburg ranks
Compare Laingsburg's two percentiles: 63rd within Michigan, only 19th nationally — a gap of 44 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Laingsburg ranks 25,531 for wildfire risk (1 is highest) and 14,873 by building count (1 is largest). Within Michigan alone, it ranks 275 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
Laingsburg's low wildfire rating (19th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Laingsburg's 59.1% 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
The methodology guide shows exactly how USFS turned 679 counted buildings into the percentiles shown above for Laingsburg. For more on what indirect exposure implies beyond Laingsburg, see the exposure-zones guide.