McBride, MI
McBride, MI's wildfire risk, in USFS's own numbers
McBride's 153 buildings earn a 4th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, McBride's burn probability — fire likelihood with no building count factored in — sits at the 4th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 71.9% of McBride's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 28.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
McBride against the rest of the country
McBride's risk sits at a similar level relative to Michigan (7th percentile statewide) as it does nationally (4th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, McBride ranks 30,361 for wildfire risk (1 is highest) and 26,753 by building count (1 is largest). Within Michigan alone, it ranks 693 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
McBride and the insurance market
McBride's low wildfire rating (4th 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.
Hardening a home in McBride
Even with 71.9% of McBride outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where McBride's figures come from
The methodology guide shows exactly how USFS turned 153 counted buildings into the percentiles shown above for McBride. The exposure-zones guide covers what McBride's dominant minimal exposure actually means, with real examples from across the dataset.