Three Rivers, MI
Three Rivers, MI's wildfire risk, in USFS's own numbers
Three Rivers's 3,572 buildings earn a 8th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Three Rivers's burn probability — fire likelihood with no building count factored in — sits at the 8th percentile nationally.
What "at risk" means for the buildings here
Only 10.3% of Three Rivers's 3,572 buildings carry Direct exposure and 41.4% carry Indirect; the remaining 48.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Three Rivers ranks
Compare Three Rivers's two percentiles: 23rd within Michigan, only 8th nationally — a gap of 15 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Three Rivers ranks 29,097 for wildfire risk (1 is highest) and 4,685 by building count (1 is largest). Within Michigan alone, it ranks 578 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Three Rivers and the insurance market
Three Rivers's low wildfire rating (8th 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
Even with 48.3% of Three Rivers outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Three Rivers's figures come from
Three Rivers'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 Rivers's dominant minimal exposure actually means, with real examples from across the dataset.