Michigan City, IN
Michigan City, IN's wildfire risk, in USFS's own numbers
USFS scores Michigan City at the 40th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 14,937 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Michigan City at the 42nd percentile, close to its 40th-percentile risk score.
Michigan City's building exposure, zone by zone
Only 11.1% of Michigan City's 14,937 buildings carry Direct exposure and 3.3% carry Indirect; the remaining 85.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 14,937 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Michigan City ranks
Michigan City's 96th-percentile standing inside Indiana outpaces its 40th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Michigan City ranks 18,965 for wildfire risk (1 is highest) and 996 by building count (1 is largest). Within Indiana alone, it ranks 39 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Michigan City and the insurance market
Michigan City's moderate wildfire rating (40th 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 Michigan City
Even with 85.7% of Michigan City 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 Michigan City's figures come from
Michigan City's 40th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Michigan City's dominant minimal exposure actually means, with real examples from across the dataset.