Oscoda, MI
Oscoda, MI's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Oscoda lands at the 52nd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 735 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oscoda's burn probability — fire likelihood with no building count factored in — sits at the 50th percentile nationally.
Where Oscoda's buildings actually sit
92.4% of Oscoda's 735 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 7.6% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Oscoda compares
Compare Oscoda's two percentiles: 96th within Michigan, only 52nd nationally — a gap of 44 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Oscoda ranks 15,222 for wildfire risk (1 is highest) and 14,275 by building count (1 is largest). Within Michigan alone, it ranks 31 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
Oscoda's elevated wildfire rating (52nd 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.
What would actually reduce this score
Because 92.4% of Oscoda's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Oscoda's 52nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Oscoda, see the exposure-zones guide.