Oak Hill, MI
Oak Hill, MI's wildfire risk, in USFS's own numbers
Oak Hill sits at the 36th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 353 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oak Hill at the 34th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Oak Hill's building exposure, zone by zone
USFS puts 89.2% of Oak Hill's 353 buildings in the Indirect exposure zone, versus 10.8% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Oak Hill ranks
Oak Hill's 87th-percentile standing inside Michigan outpaces its 36th 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, Oak Hill ranks 20,295 for wildfire risk (1 is highest) and 20,233 by building count (1 is largest). Within Michigan alone, it ranks 97 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Oak Hill
Oak Hill's moderate wildfire rating (36th 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 Oak Hill
Oak Hill's 89.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Oak Hill's figures come from
Oak Hill's 36th-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 Oak Hill's dominant indirect exposure actually means, with real examples from across the dataset.