St. Clair, MI
St. Clair, MI's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, St. Clair lands at the 10th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 2,667 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Clair at the 10th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
St. Clair rates 84.4% Minimal exposure against just 15.6% Direct and 0% Indirect — of 2,667 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where St. Clair ranks
St. Clair's 32nd-percentile standing inside Michigan outpaces its 10th 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, St. Clair ranks 28,499 for wildfire risk (1 is highest) and 5,988 by building count (1 is largest). Within Michigan alone, it ranks 510 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
St. Clair's low wildfire rating (10th 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.
Hardening a home in St. Clair
St. Clair's 84.4% 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 St. Clair's figures come from
The methodology guide shows exactly how USFS turned 2,667 counted buildings into the percentiles shown above for St. Clair. The exposure-zones guide covers what St. Clair's dominant minimal exposure actually means, with real examples from across the dataset.