Walloon Lake, MI
How exposed is Walloon Lake to wildfire?
USFS scores Walloon Lake at the 14th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 308 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Walloon Lake's burn probability — fire likelihood with no building count factored in — sits at the 14th percentile nationally.
Where Walloon Lake's buildings actually sit
69.2% of Walloon Lake's 308 buildings sit in USFS's Direct exposure zone, roughly 213 structures close enough to burnable vegetation for flame contact, not just embers — 26% fall in the Indirect, ember-only zone and 4.9% are Minimal.
How Walloon Lake compares
Walloon Lake's 49th-percentile standing inside Michigan outpaces its 14th 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, Walloon Lake ranks 27,111 for wildfire risk (1 is highest) and 21,418 by building count (1 is largest). Within Michigan alone, it ranks 385 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
At the 14th national percentile, Walloon Lake rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Walloon Lake
Because Direct exposure dominates in Walloon Lake (69.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Walloon Lake's 27,111-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Walloon Lake, see the exposure-zones guide.