Metamora, MI
Metamora wildfire risk explained
Metamora sits at the 15th 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 305 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Metamora at the 16th percentile, close to its 15th-percentile risk score.
What "at risk" means for the buildings here
305 buildings are counted in Metamora, and 56.7% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Metamora ranks
Compare Metamora's two percentiles: 51st within Michigan, only 15th nationally — a gap of 36 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Metamora ranks 26,855 for wildfire risk (1 is highest) and 21,499 by building count (1 is largest). Within Michigan alone, it ranks 367 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
Metamora's low rating (15th 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
With 56.7% of Metamora in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Metamora's figures come from
The methodology guide shows exactly how USFS turned 305 counted buildings into the percentiles shown above for Metamora. The exposure-zones guide covers what Metamora's dominant direct exposure actually means, with real examples from across the dataset.