Onekama, MI
Onekama, MI's wildfire risk, in USFS's own numbers
Onekama's 430 buildings earn a 29th-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 Onekama at the 29th percentile, close to its 29th-percentile risk score.
What "at risk" means for the buildings here
USFS puts 62.1% of Onekama's 430 buildings in the Indirect exposure zone, versus 33.5% Direct and 4.4% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Onekama ranks
Within Michigan, Onekama ranks higher (81st percentile) than it does nationally (29th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Onekama ranks 22,407 for wildfire risk (1 is highest) and 18,648 by building count (1 is largest). Within Michigan alone, it ranks 146 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
Onekama's moderate wildfire rating (29th 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
Onekama's 62.1% 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 Onekama's figures come from
Onekama's 29th-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 Onekama's dominant indirect exposure actually means, with real examples from across the dataset.