Utica, MI
Utica, MI's wildfire risk, in USFS's own numbers
USFS scores Utica at the 7th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,462 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Utica'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
Utica rates 93% Minimal exposure against just 7% Direct and 0% Indirect — of 1,462 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Utica ranks
Utica's risk sits at a similar level relative to Michigan (20th percentile statewide) as it does nationally (7th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Utica ranks 29,350 for wildfire risk (1 is highest) and 9,339 by building count (1 is largest). Within Michigan alone, it ranks 599 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in Utica
Utica's low wildfire rating (7th 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
With 93% of buildings rated Minimal exposure, Utica gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Utica's 7th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Utica, see the exposure-zones guide.