Luna Pier, MI
How exposed is Luna Pier to wildfire?
USFS's Wildfire Risk to Communities model puts Luna Pier at the 7th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 746 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Luna Pier at the 7th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 98.1% of Luna Pier's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 1.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Luna Pier against the rest of the country
Luna Pier scores 7th nationally and 20th within Michigan — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Luna Pier ranks 29,380 for wildfire risk (1 is highest) and 14,164 by building count (1 is largest). Within Michigan alone, it ranks 601 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
At the 7th national percentile, Luna Pier rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 98.1% of buildings rated Minimal exposure, Luna Pier gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Luna Pier's 29,380-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Luna Pier, see the exposure-zones guide.