McBain, MI
McBain, MI's wildfire risk, in USFS's own numbers
McBain sits at the 16th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 401 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, McBain's burn probability — fire likelihood with no building count factored in — sits at the 16th percentile nationally.
McBain's building exposure, zone by zone
USFS puts 80.3% of McBain's 401 buildings in the Indirect exposure zone, versus 19.7% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
McBain against the rest of the country
Within Michigan, McBain ranks higher (56th percentile) than it does nationally (16th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, McBain ranks 26,381 for wildfire risk (1 is highest) and 19,187 by building count (1 is largest). Within Michigan alone, it ranks 328 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in McBain
McBain's low rating (16th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in McBain
Because 80.3% of McBain'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
The methodology guide shows exactly how USFS turned 401 counted buildings into the percentiles shown above for McBain. For more on what indirect exposure implies beyond McBain, see the exposure-zones guide.