Ruby, MI
Ruby, MI's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Ruby at the 13th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 546 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ruby at the 13th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Ruby's building exposure, zone by zone
546 buildings are counted in Ruby, and 90.8% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Ruby against the rest of the country
Compare Ruby's two percentiles: 43rd within Michigan, only 13th nationally — a gap of 31 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Ruby ranks 27,579 for wildfire risk (1 is highest) and 16,621 by building count (1 is largest). Within Michigan alone, it ranks 425 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
Ruby's low wildfire rating (13th 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.
Hardening a home in Ruby
Because Direct exposure dominates in Ruby (90.8%), 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
The methodology guide shows exactly how USFS turned 546 counted buildings into the percentiles shown above for Ruby. For more on what direct exposure implies beyond Ruby, see the exposure-zones guide.