Midland, MI
Midland wildfire risk explained
Out of every US place USFS scores, Midland lands at the 18th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 18,182 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Midland's burn probability — fire likelihood with no building count factored in — sits at the 19th percentile nationally.
Where Midland's buildings actually sit
Midland rates 61.4% Minimal exposure against just 17.7% Direct and 20.9% Indirect — of 18,182 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 18,182 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Midland compares
Midland's 61st-percentile standing inside Michigan outpaces its 18th 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, Midland ranks 25,875 for wildfire risk (1 is highest) and 784 by building count (1 is largest). Within Michigan alone, it ranks 292 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Midland and the insurance market
Midland's low wildfire rating (18th 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 Midland
With 61.4% of buildings rated Minimal exposure, Midland gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Midland's figures come from
The methodology guide shows exactly how USFS turned 18,182 counted buildings into the percentiles shown above for Midland. The exposure-zones guide covers what Midland's dominant minimal exposure actually means, with real examples from across the dataset.