Rock, MI
How exposed is Rock to wildfire?
USFS's Wildfire Risk to Communities model puts Rock at the 37th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 197 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Rock at the 38th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Rock's buildings actually sit
65% of Rock's 197 buildings sit in USFS's Direct exposure zone, roughly 128 structures close enough to burnable vegetation for flame contact, not just embers — 35% fall in the Indirect, ember-only zone and 0% are Minimal.
Rock against the rest of the country
Compare Rock's two percentiles: 89th within Michigan, only 37th nationally — a gap of 52 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Rock ranks 19,820 for wildfire risk (1 is highest) and 24,960 by building count (1 is largest). Within Michigan alone, it ranks 87 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Rock and the insurance market
Rock's moderate rating (37th 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
With 65% of Rock in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Rock's figures come from
Rock's 37th-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 Rock's dominant direct exposure actually means, with real examples from across the dataset.