Orchard Lake Village, MI
Orchard Lake Village wildfire risk explained
Out of every US place USFS scores, Orchard Lake Village lands at the 9th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 1,018 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Orchard Lake Village at the 10th percentile, close to its 9th-percentile risk score.
Orchard Lake Village's building exposure, zone by zone
66.5% of Orchard Lake Village's 1,018 buildings sit in USFS's Minimal exposure zone, with only 33.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Orchard Lake Village compares
Within Michigan, Orchard Lake Village ranks higher (26th percentile) than it does nationally (9th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Orchard Lake Village ranks 28,843 for wildfire risk (1 is highest) and 11,816 by building count (1 is largest). Within Michigan alone, it ranks 550 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Orchard Lake Village
Orchard Lake Village's low rating (9th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 66.5% of Orchard Lake Village outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Orchard Lake Village's figures come from
Orchard Lake Village's 9th-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 Orchard Lake Village's dominant minimal exposure actually means, with real examples from across the dataset.