Mount Clemens, MI
How exposed is Mount Clemens to wildfire?
Mount Clemens sits at the 6th 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 6,964 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Mount Clemens at the 8th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Only 0.8% of Mount Clemens's 6,964 buildings carry Direct exposure and 0% carry Indirect; the remaining 99.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 6,964 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Mount Clemens against the rest of the country
There's little gap between Mount Clemens's 6th national percentile and its 15th percentile inside Michigan, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Mount Clemens ranks 29,662 for wildfire risk (1 is highest) and 2,483 by building count (1 is largest). Within Michigan alone, it ranks 635 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
Mount Clemens's low rating (6th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Mount Clemens's 99.3% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Mount Clemens's 29,662-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Mount Clemens, see the exposure-zones guide.