Ludington, MI
Ludington, MI's wildfire risk, in USFS's own numbers
Ludington sits at the 24th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 3,973 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ludington's burn probability — fire likelihood with no building count factored in — sits at the 24th percentile nationally.
What "at risk" means for the buildings here
Ludington rates 59.9% Minimal exposure against just 2.6% Direct and 37.6% Indirect — of 3,973 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Ludington compares
Within Michigan, Ludington ranks higher (74th percentile) than it does nationally (24th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Ludington ranks 23,917 for wildfire risk (1 is highest) and 4,273 by building count (1 is largest). Within Michigan alone, it ranks 195 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
Ludington's moderate wildfire rating (24th 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.
What would actually reduce this score
With 59.9% of buildings rated Minimal exposure, Ludington gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Ludington's figures come from
Ludington's 24th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Ludington's dominant minimal exposure actually means, with real examples from across the dataset.