Marine City, MI
Marine City wildfire risk explained
USFS's Wildfire Risk to Communities model puts Marine City at the 12th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 2,286 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Marine City at the 12th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Marine City's buildings actually sit
Most of Marine City's buildings (95.5% of 2,286) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Marine City compares
Compare Marine City's two percentiles: 43rd within Michigan, only 12th nationally — a gap of 30 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Marine City ranks 27,645 for wildfire risk (1 is highest) and 6,733 by building count (1 is largest). Within Michigan alone, it ranks 431 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Marine City
Marine City's low rating (12th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Marine City's 95.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,286 counted buildings into the percentiles shown above for Marine City. For more on what minimal exposure implies beyond Marine City, see the exposure-zones guide.