Ubly, MI
Ubly, MI's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Ubly lands at the 6th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 545 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ubly at the 6th percentile, close to its 6th-percentile risk score.
What "at risk" means for the buildings here
Ubly rates 83.5% Minimal exposure against just 16.5% Direct and 0% Indirect — of 545 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Ubly compares
Ubly's risk sits at a similar level relative to Michigan (16th percentile statewide) as it does nationally (6th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Ubly ranks 29,633 for wildfire risk (1 is highest) and 16,637 by building count (1 is largest). Within Michigan alone, it ranks 630 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Ubly and the insurance market
Ubly's low rating (6th 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
With 83.5% of buildings rated Minimal exposure, Ubly gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Ubly's figures come from
Every one of the two percentiles behind Ubly's 29,633-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Ubly's dominant minimal exposure actually means, with real examples from across the dataset.