Rapid City, MI
Rapid City, MI's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Rapid City at the 35th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,293 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Rapid City at the 35th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Rapid City's buildings actually sit
1,293 buildings are counted in Rapid City, and 79.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 5.3% rated Minimal.
Rapid City against the rest of the country
Rapid City's 87th-percentile standing inside Michigan outpaces its 35th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Rapid City ranks 20,451 for wildfire risk (1 is highest) and 10,105 by building count (1 is largest). Within Michigan alone, it ranks 102 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Rapid City and the insurance market
Rapid City's moderate wildfire rating (35th 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 Direct exposure dominates in Rapid City (79.4%), 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
Rapid City's 35th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Rapid City, see the exposure-zones guide.