Omer, MI
Omer wildfire risk explained
USFS scores Omer at the 39th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 267 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Omer at the 40th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Omer's buildings actually sit
Of Omer's 267 counted buildings, 56.6% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Omer compares
Compare Omer's two percentiles: 90th within Michigan, only 39th nationally — a gap of 51 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Omer ranks 19,126 for wildfire risk (1 is highest) and 22,602 by building count (1 is largest). Within Michigan alone, it ranks 75 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
At the 39th national percentile, Omer rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Omer (56.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 267 counted buildings into the percentiles shown above for Omer. For more on what direct exposure implies beyond Omer, see the exposure-zones guide.