Lake Fenton, MI
Lake Fenton wildfire risk explained
Lake Fenton sits at the 14th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 2,825 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake Fenton's burn probability — fire likelihood with no building count factored in — sits at the 16th percentile nationally.
Where Lake Fenton's buildings actually sit
47.3% of Lake Fenton's 2,825 buildings sit in USFS's Direct exposure zone, roughly 1,336 structures close enough to burnable vegetation for flame contact, not just embers — 13.6% fall in the Indirect, ember-only zone and 39.2% are Minimal.
Where Lake Fenton ranks
Within Michigan, Lake Fenton ranks higher (50th percentile) than it does nationally (14th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Lake Fenton ranks 27,010 for wildfire risk (1 is highest) and 5,710 by building count (1 is largest). Within Michigan alone, it ranks 377 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Lake Fenton and the insurance market
Lake Fenton's low wildfire rating (14th 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
Lake Fenton's 47.3% 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.
Where Lake Fenton's figures come from
The methodology guide shows exactly how USFS turned 2,825 counted buildings into the percentiles shown above for Lake Fenton. The exposure-zones guide covers what Lake Fenton's dominant direct exposure actually means, with real examples from across the dataset.