Morley, MI
Morley wildfire risk explained
Morley's 307 buildings earn a 34th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Morley's burn probability — fire likelihood with no building count factored in — sits at the 33rd percentile nationally.
Where Morley's buildings actually sit
307 buildings are counted in Morley, and 75.2% of them are Indirect exposure — ember-driven risk rather than the 23.1% in Direct exposure or the 1.6% rated Minimal.
Morley against the rest of the country
Morley's 86th-percentile standing inside Michigan outpaces its 34th 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, Morley ranks 20,703 for wildfire risk (1 is highest) and 21,445 by building count (1 is largest). Within Michigan alone, it ranks 107 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Morley
Morley's moderate wildfire rating (34th 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.
What would actually reduce this score
Because 75.2% of Morley's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Morley's figures come from
Morley's 34th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Morley's dominant indirect exposure actually means, with real examples from across the dataset.