Monroe, MI
How exposed is Monroe to wildfire?
Monroe's 9,732 buildings earn a 13th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Monroe at the 14th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Monroe's buildings actually sit
99.2% of Monroe's 9,732 buildings sit in USFS's Minimal exposure zone, with only 0.8% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 9,732 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Monroe ranks
Monroe's 44th-percentile standing inside Michigan outpaces its 13th 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, Monroe ranks 27,512 for wildfire risk (1 is highest) and 1,679 by building count (1 is largest). Within Michigan alone, it ranks 416 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
At the 13th national percentile, Monroe 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
With 99.2% of buildings rated Minimal exposure, Monroe gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Monroe's 13th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Monroe, see the exposure-zones guide.