Three Oaks, MI
Three Oaks wildfire risk explained
USFS's Wildfire Risk to Communities model puts Three Oaks at the 8th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 913 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Three Oaks's burn probability — fire likelihood with no building count factored in — sits at the 8th percentile nationally.
Where Three Oaks's buildings actually sit
93.8% of Three Oaks's 913 buildings sit in USFS's Minimal exposure zone, with only 6.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Three Oaks against the rest of the country
Compare Three Oaks's two percentiles: 25th within Michigan, only 8th nationally — a gap of 17 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Three Oaks ranks 28,970 for wildfire risk (1 is highest) and 12,612 by building count (1 is largest). Within Michigan alone, it ranks 561 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Three Oaks and the insurance market
At the 8th national percentile, Three Oaks rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Three Oaks's 93.8% 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 Three Oaks's figures come from
Three Oaks's 8th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Three Oaks's dominant minimal exposure actually means, with real examples from across the dataset.