Suttons Bay, MI
Suttons Bay, MI's wildfire risk, in USFS's own numbers
Suttons Bay's 521 buildings earn a 26th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Suttons Bay at the 26th percentile, close to its 26th-percentile risk score.
Where Suttons Bay's buildings actually sit
521 buildings are counted in Suttons Bay, and 75.2% of them are Indirect exposure — ember-driven risk rather than the 22.3% in Direct exposure or the 2.5% rated Minimal.
How Suttons Bay compares
Suttons Bay's 77th-percentile standing inside Michigan outpaces its 26th 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, Suttons Bay ranks 23,387 for wildfire risk (1 is highest) and 17,009 by building count (1 is largest). Within Michigan alone, it ranks 174 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
Suttons Bay's moderate wildfire rating (26th 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
With ember exposure the dominant pattern in Suttons Bay (75.2% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Suttons Bay's 26th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Suttons Bay, see the exposure-zones guide.