Oden, MI
How exposed is Oden to wildfire?
Out of every US place USFS scores, Oden lands at the 24th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 338 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oden at the 24th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Oden's building exposure, zone by zone
338 buildings are counted in Oden, and 50.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 19.2% rated Minimal.
Oden against the rest of the country
Within Michigan, Oden ranks higher (74th percentile) than it does nationally (24th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Oden ranks 23,918 for wildfire risk (1 is highest) and 20,632 by building count (1 is largest). Within Michigan alone, it ranks 196 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
Oden's moderate wildfire rating (24th 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.
Lowering exposure, not just insuring around it
With 50.9% of Oden in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Oden's figures come from
Oden's 24th-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 Oden's dominant direct exposure actually means, with real examples from across the dataset.