Litchfield, MI
Litchfield wildfire risk explained
USFS's Wildfire Risk to Communities model puts Litchfield at the 5th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 795 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Litchfield's burn probability — fire likelihood with no building count factored in — sits at the 5th percentile nationally.
What "at risk" means for the buildings here
Litchfield rates 59% Minimal exposure against just 41% Direct and 0% Indirect — of 795 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Litchfield against the rest of the country
There's little gap between Litchfield's 5th national percentile and its 12th percentile inside Michigan, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Litchfield ranks 29,913 for wildfire risk (1 is highest) and 13,686 by building count (1 is largest). Within Michigan alone, it ranks 656 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
Litchfield's low rating (5th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Litchfield
Even with 59% of Litchfield 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
Every one of the two percentiles behind Litchfield's 29,913-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Litchfield, see the exposure-zones guide.