Reed City, MI
Reed City wildfire risk explained
Reed City sits at the 25th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 1,168 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Reed City's burn probability — fire likelihood with no building count factored in — sits at the 25th percentile nationally.
Reed City's building exposure, zone by zone
67% of Reed City's 1,168 buildings sit in USFS's Minimal exposure zone, with only 9.7% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Reed City ranks
Compare Reed City's two percentiles: 76th within Michigan, only 25th nationally — a gap of 51 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Reed City ranks 23,541 for wildfire risk (1 is highest) and 10,846 by building count (1 is largest). Within Michigan alone, it ranks 181 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Reed City and the insurance market
Reed City's moderate wildfire rating (25th 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
Reed City's 67% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Reed City's figures come from
The methodology guide shows exactly how USFS turned 1,168 counted buildings into the percentiles shown above for Reed City. The exposure-zones guide covers what Reed City's dominant minimal exposure actually means, with real examples from across the dataset.