Shoreham, MI
How exposed is Shoreham to wildfire?
Shoreham sits at the 7th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 411 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Shoreham's burn probability — fire likelihood with no building count factored in — sits at the 8th percentile nationally.
What "at risk" means for the buildings here
Shoreham rates 78.6% Minimal exposure against just 21.4% Direct and 0% Indirect — of 411 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Shoreham against the rest of the country
There's little gap between Shoreham's 7th national percentile and its 19th percentile inside Michigan, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Shoreham ranks 29,383 for wildfire risk (1 is highest) and 19,011 by building count (1 is largest). Within Michigan alone, it ranks 604 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
Shoreham'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.
Lowering exposure, not just insuring around it
Shoreham's 78.6% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 411 counted buildings into the percentiles shown above for Shoreham. For more on what minimal exposure implies beyond Shoreham, see the exposure-zones guide.