Memphis, MI
Memphis wildfire risk explained
USFS's Wildfire Risk to Communities model puts Memphis at the 6th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 625 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Memphis at the 6th percentile, close to its 6th-percentile risk score.
Where Memphis's buildings actually sit
Only 37.1% of Memphis's 625 buildings carry Direct exposure and 0% carry Indirect; the remaining 62.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Memphis compares
Memphis's risk sits at a similar level relative to Michigan (16th percentile statewide) as it does nationally (6th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Memphis ranks 29,632 for wildfire risk (1 is highest) and 15,506 by building count (1 is largest). Within Michigan alone, it ranks 629 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Memphis
Memphis'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
With 62.9% of buildings rated Minimal exposure, Memphis gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Memphis's 6th-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 Memphis, see the exposure-zones guide.