Naubinway, MI
Naubinway wildfire risk explained
USFS scores Naubinway at the 57th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 199 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Naubinway at the 58th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Naubinway's buildings actually sit
Indirect exposure is dominant in Naubinway (75.9% of 199 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 21.1% sit in the Direct zone.
Where Naubinway ranks
Naubinway's 97th-percentile standing inside Michigan outpaces its 57th 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, Naubinway ranks 13,520 for wildfire risk (1 is highest) and 24,889 by building count (1 is largest). Within Michigan alone, it ranks 22 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
Naubinway's elevated wildfire rating (57th 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.
Hardening a home in Naubinway
With ember exposure the dominant pattern in Naubinway (75.9% 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
Naubinway's 57th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Naubinway, see the exposure-zones guide.