Lamont, MI
How exposed is Lamont to wildfire?
Out of every US place USFS scores, Lamont lands at the 15th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 563 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lamont at the 16th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Lamont's building exposure, zone by zone
563 buildings are counted in Lamont, and 76.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 23.5% rated Minimal.
Lamont against the rest of the country
Within Michigan, Lamont ranks higher (53rd percentile) than it does nationally (15th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Lamont ranks 26,665 for wildfire risk (1 is highest) and 16,362 by building count (1 is largest). Within Michigan alone, it ranks 350 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
Lamont's low wildfire rating (15th 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
Because Direct exposure dominates in Lamont (76.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Lamont's figures come from
Every one of the two percentiles behind Lamont's 26,665-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lamont's dominant direct exposure actually means, with real examples from across the dataset.