Ramsay, MI
Ramsay wildfire risk explained
Out of every US place USFS scores, Ramsay lands at the 10th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 283 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ramsay at the 10th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Ramsay's building exposure, zone by zone
283 buildings are counted in Ramsay, and 55.8% of them are Indirect exposure — ember-driven risk rather than the 44.2% in Direct exposure or the 0% rated Minimal.
Ramsay against the rest of the country
Compare Ramsay's two percentiles: 32nd within Michigan, only 10th nationally — a gap of 23 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Ramsay ranks 28,462 for wildfire risk (1 is highest) and 22,092 by building count (1 is largest). Within Michigan alone, it ranks 502 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Ramsay and the insurance market
Ramsay's low wildfire rating (10th 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 ember exposure the dominant pattern in Ramsay (55.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Ramsay's figures come from
Every one of the two percentiles behind Ramsay's 28,462-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Ramsay's dominant indirect exposure actually means, with real examples from across the dataset.