Luther, MI
Luther wildfire risk explained
Luther's 320 buildings earn a 38th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Luther's burn probability — fire likelihood with no building count factored in — sits at the 36th percentile nationally.
What "at risk" means for the buildings here
Most of Luther's buildings (60.6%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Luther compares
Luther's 89th-percentile standing inside Michigan outpaces its 38th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Luther ranks 19,663 for wildfire risk (1 is highest) and 21,092 by building count (1 is largest). Within Michigan alone, it ranks 84 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Luther and the insurance market
Luther's moderate wildfire rating (38th 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
Because 60.6% of Luther's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Luther's 38th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Luther, see the exposure-zones guide.