Marlette, MI
Marlette wildfire risk explained
Out of every US place USFS scores, Marlette lands at the 3rd percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 932 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Marlette at the 3rd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Marlette's building exposure, zone by zone
Marlette rates 79% Minimal exposure against just 21% Direct and 0% Indirect — of 932 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Marlette against the rest of the country
Marlette's risk sits at a similar level relative to Michigan (5th percentile statewide) as it does nationally (3rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Marlette ranks 30,579 for wildfire risk (1 is highest) and 12,455 by building count (1 is largest). Within Michigan alone, it ranks 708 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Marlette
Marlette's low rating (3rd 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
Marlette's 79% 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
Marlette's 3rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Marlette, see the exposure-zones guide.