St. Clair Shores, MI
St. Clair Shores wildfire risk explained
USFS scores St. Clair Shores at the 4th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 34,725 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, St. Clair Shores's burn probability — fire likelihood with no building count factored in — sits at the 5th percentile nationally.
Where St. Clair Shores's buildings actually sit
Most of St. Clair Shores's buildings (99.7% of 34,725) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 34,725 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where St. Clair Shores ranks
St. Clair Shores scores 4th nationally and 7th within Michigan — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, St. Clair Shores ranks 30,362 for wildfire risk (1 is highest) and 313 by building count (1 is largest). Within Michigan alone, it ranks 694 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in St. Clair Shores
St. Clair Shores's low wildfire rating (4th 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
St. Clair Shores's 99.7% 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
Every one of the two percentiles behind St. Clair Shores's 30,362-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond St. Clair Shores, see the exposure-zones guide.