Scottville, MI
Scottville wildfire risk explained
USFS's Wildfire Risk to Communities model puts Scottville at the 22nd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 640 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Scottville's burn probability — fire likelihood with no building count factored in — sits at the 22nd percentile nationally.
Where Scottville's buildings actually sit
640 buildings are counted in Scottville, and 84.5% of them are Indirect exposure — ember-driven risk rather than the 15.5% in Direct exposure or the 0% rated Minimal.
Scottville against the rest of the country
Scottville's 70th-percentile standing inside Michigan outpaces its 22nd 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, Scottville ranks 24,556 for wildfire risk (1 is highest) and 15,327 by building count (1 is largest). Within Michigan alone, it ranks 222 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Scottville and the insurance market
Scottville's moderate wildfire rating (22nd 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.
Lowering exposure, not just insuring around it
Scottville's 84.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Scottville's figures come from
Scottville's 22nd-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 Scottville's dominant indirect exposure actually means, with real examples from across the dataset.