Scotts, MI
Scotts wildfire risk explained
USFS's Wildfire Risk to Communities model puts Scotts at the 7th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 135 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Scotts at the 7th percentile, close to its 7th-percentile risk score.
Scotts's building exposure, zone by zone
USFS classifies 78.5% of Scotts's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 21.5% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Scotts against the rest of the country
There's little gap between Scotts's 7th national percentile and its 21st percentile inside Michigan, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Scotts ranks 29,225 for wildfire risk (1 is highest) and 27,494 by building count (1 is largest). Within Michigan alone, it ranks 587 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
Scotts's low rating (7th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Scotts's 78.5% 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 Scotts's figures come from
The methodology guide shows exactly how USFS turned 135 counted buildings into the percentiles shown above for Scotts. The exposure-zones guide covers what Scotts's dominant minimal exposure actually means, with real examples from across the dataset.