Lakes of the North, MI
Lakes of the North, MI's wildfire risk, in USFS's own numbers
Lakes of the North's 1,294 buildings earn a 40th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lakes of the North at the 41st percentile, close to its 40th-percentile risk score.
Lakes of the North's building exposure, zone by zone
1,294 buildings are counted in Lakes of the North, and 99.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.1% rated Minimal.
How Lakes of the North compares
Compare Lakes of the North's two percentiles: 91st within Michigan, only 40th nationally — a gap of 51 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Lakes of the North ranks 18,879 for wildfire risk (1 is highest) and 10,102 by building count (1 is largest). Within Michigan alone, it ranks 70 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Lakes of the North and the insurance market
Lakes of the North's elevated wildfire rating (40th 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
Lakes of the North's 99.9% 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 Lakes of the North's 18,879-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Lakes of the North, see the exposure-zones guide.