Milan, MI
How exposed is Milan to wildfire?
Milan sits at the 7th 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 2,448 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Milan at the 7th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Milan's buildings actually sit
Most of Milan's buildings (95.1% of 2,448) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Milan ranks
Milan's risk sits at a similar level relative to Michigan (19th percentile statewide) as it does nationally (7th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Milan ranks 29,411 for wildfire risk (1 is highest) and 6,401 by building count (1 is largest). Within Michigan alone, it ranks 608 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Milan and the insurance market
At the 7th national percentile, Milan rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 95.1% of Milan 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 Milan's figures come from
The methodology guide shows exactly how USFS turned 2,448 counted buildings into the percentiles shown above for Milan. The exposure-zones guide covers what Milan's dominant minimal exposure actually means, with real examples from across the dataset.