Trimountain, MI
Trimountain, MI's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Trimountain at the 19th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 171 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Trimountain's burn probability — fire likelihood with no building count factored in — sits at the 20th percentile nationally.
What "at risk" means for the buildings here
USFS puts 52.1% of Trimountain's 171 buildings in the Indirect exposure zone, versus 48% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Trimountain against the rest of the country
Trimountain's 63rd-percentile standing inside Michigan outpaces its 19th 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, Trimountain ranks 25,565 for wildfire risk (1 is highest) and 25,986 by building count (1 is largest). Within Michigan alone, it ranks 277 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
Trimountain's low rating (19th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Trimountain's 52.1% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 171 counted buildings into the percentiles shown above for Trimountain. For more on what indirect exposure implies beyond Trimountain, see the exposure-zones guide.