Sherwood, MI
Sherwood, MI's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Sherwood lands at the 6th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 192 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Sherwood at the 6th percentile, close to its 6th-percentile risk score.
Sherwood's building exposure, zone by zone
51.6% of Sherwood's 192 buildings sit in USFS's Direct exposure zone, roughly 99 structures close enough to burnable vegetation for flame contact, not just embers — 10.9% fall in the Indirect, ember-only zone and 37.5% are Minimal.
Sherwood against the rest of the country
Sherwood's risk sits at a similar level relative to Michigan (16th percentile statewide) as it does nationally (6th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Sherwood ranks 29,598 for wildfire risk (1 is highest) and 25,161 by building count (1 is largest). Within Michigan alone, it ranks 626 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
Sherwood's low rating (6th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Sherwood
Because Direct exposure dominates in Sherwood (51.6%), 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
Sherwood's 6th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Sherwood, see the exposure-zones guide.