Mount Morris, MI
How exposed is Mount Morris to wildfire?
USFS scores Mount Morris at the 9th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,422 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Mount Morris at the 10th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Mount Morris's building exposure, zone by zone
Mount Morris rates 92.6% Minimal exposure against just 7.4% Direct and 0% Indirect — of 1,422 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Mount Morris compares
Compare Mount Morris's two percentiles: 27th within Michigan, only 9th nationally — a gap of 19 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Mount Morris ranks 28,773 for wildfire risk (1 is highest) and 9,525 by building count (1 is largest). Within Michigan alone, it ranks 543 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Mount Morris and the insurance market
At the 9th national percentile, Mount Morris rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Mount Morris
Even with 92.6% of Mount Morris outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Mount Morris's figures come from
The methodology guide shows exactly how USFS turned 1,422 counted buildings into the percentiles shown above for Mount Morris. The exposure-zones guide covers what Mount Morris's dominant minimal exposure actually means, with real examples from across the dataset.