Stony Point, MI
How exposed is Stony Point to wildfire?
USFS's Wildfire Risk to Communities model puts Stony Point at the 13th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,008 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Stony Point at the 12th percentile, close to its 13th-percentile risk score.
What "at risk" means for the buildings here
87.9% of Stony Point's 1,008 buildings sit in USFS's Minimal exposure zone, with only 12.1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Stony Point compares
Compare Stony Point's two percentiles: 43rd within Michigan, only 13th nationally — a gap of 30 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Stony Point ranks 27,580 for wildfire risk (1 is highest) and 11,878 by building count (1 is largest). Within Michigan alone, it ranks 426 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
Stony Point's low rating (13th 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 Stony Point
Stony Point's 87.9% 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 Stony Point's 27,580-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Stony Point, see the exposure-zones guide.