Troy, MI
How exposed is Troy to wildfire?
Out of every US place USFS scores, Troy lands at the 6th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 30,208 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Troy at the 7th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Troy's building exposure, zone by zone
87.5% of Troy's 30,208 buildings sit in USFS's Minimal exposure zone, with only 12.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 30,208 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Troy ranks
There's little gap between Troy's 6th national percentile and its 14th percentile inside Michigan, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Troy ranks 29,784 for wildfire risk (1 is highest) and 380 by building count (1 is largest). Within Michigan alone, it ranks 642 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Troy
Troy's low wildfire rating (6th 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.
Lowering exposure, not just insuring around it
Troy's 87.5% 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 Troy's figures come from
Every one of the two percentiles behind Troy's 29,784-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Troy's dominant minimal exposure actually means, with real examples from across the dataset.