Muskegon, MI
How exposed is Muskegon to wildfire?
Muskegon's 14,145 buildings earn a 25th-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Muskegon at the 26th percentile, close to its 25th-percentile risk score.
Muskegon's building exposure, zone by zone
Most of Muskegon's buildings (87.9% of 14,145) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 14,145 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Muskegon compares
Muskegon's 77th-percentile standing inside Michigan outpaces its 25th 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, Muskegon ranks 23,513 for wildfire risk (1 is highest) and 1,064 by building count (1 is largest). Within Michigan alone, it ranks 176 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Muskegon and the insurance market
Muskegon's moderate rating (25th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Muskegon
Muskegon's 87.9% 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
Muskegon's 25th-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 Muskegon, see the exposure-zones guide.