Martin, MI
Martin wildfire risk explained
Out of every US place USFS scores, Martin lands at the 6th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 283 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Martin's burn probability — fire likelihood with no building count factored in — sits at the 7th percentile nationally.
What "at risk" means for the buildings here
55.5% of Martin's 283 buildings sit in USFS's Minimal exposure zone, with only 31.1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Martin compares
Martin scores 6th nationally and 18th 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, Martin ranks 29,507 for wildfire risk (1 is highest) and 22,090 by building count (1 is largest). Within Michigan alone, it ranks 616 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
Martin's low wildfire rating (6th 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
Martin's 55.5% 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.
Where Martin's figures come from
Every one of the two percentiles behind Martin's 29,507-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Martin's dominant minimal exposure actually means, with real examples from across the dataset.