Shorewood-Tower Hills-Harbert, MI
Shorewood-Tower Hills-Harbert, MI's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Shorewood-Tower Hills-Harbert lands at the 20th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 1,513 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Shorewood-Tower Hills-Harbert's burn probability — fire likelihood with no building count factored in — sits at the 20th percentile nationally.
What "at risk" means for the buildings here
Of Shorewood-Tower Hills-Harbert's 1,513 counted buildings, 68.3% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Shorewood-Tower Hills-Harbert against the rest of the country
Compare Shorewood-Tower Hills-Harbert's two percentiles: 67th within Michigan, only 20th nationally — a gap of 47 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Shorewood-Tower Hills-Harbert ranks 25,185 for wildfire risk (1 is highest) and 9,109 by building count (1 is largest). Within Michigan alone, it ranks 246 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Shorewood-Tower Hills-Harbert
Shorewood-Tower Hills-Harbert's moderate wildfire rating (20th 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.
What would actually reduce this score
Shorewood-Tower Hills-Harbert's 68.3% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Shorewood-Tower Hills-Harbert's 20th-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 Shorewood-Tower Hills-Harbert, see the exposure-zones guide.