Milford, MI
How exposed is Milford to wildfire?
USFS's Wildfire Risk to Communities model puts Milford at the 16th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 2,831 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Milford's burn probability — fire likelihood with no building count factored in — sits at the 18th percentile nationally.
Where Milford's buildings actually sit
84% of Milford's 2,831 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 15.9% Direct and 0.1% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Milford against the rest of the country
Milford's 56th-percentile standing inside Michigan outpaces its 16th 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, Milford ranks 26,443 for wildfire risk (1 is highest) and 5,695 by building count (1 is largest). Within Michigan alone, it ranks 331 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Milford
Milford's low rating (16th 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
Milford's 84% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Milford's figures come from
The methodology guide shows exactly how USFS turned 2,831 counted buildings into the percentiles shown above for Milford. The exposure-zones guide covers what Milford's dominant indirect exposure actually means, with real examples from across the dataset.