Montgomery, MI
Montgomery, MI's wildfire risk, in USFS's own numbers
Montgomery sits at the 15th 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 252 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Montgomery at the 16th percentile, close to its 15th-percentile risk score.
What "at risk" means for the buildings here
USFS puts 61.1% of Montgomery's 252 buildings in the Indirect exposure zone, versus 38.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Montgomery against the rest of the country
Montgomery's 53rd-percentile standing inside Michigan outpaces its 15th 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, Montgomery ranks 26,666 for wildfire risk (1 is highest) and 23,076 by building count (1 is largest). Within Michigan alone, it ranks 351 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Montgomery
At the 15th national percentile, Montgomery 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 ember exposure the dominant pattern in Montgomery (61.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 252 counted buildings into the percentiles shown above for Montgomery. For more on what indirect exposure implies beyond Montgomery, see the exposure-zones guide.