Waverly, MI
Waverly wildfire risk explained
Waverly's 7,823 buildings earn a 11th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Waverly at the 12th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Waverly's building exposure, zone by zone
89.5% of Waverly's 7,823 buildings sit in USFS's Minimal exposure zone, with only 10.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 7,823 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Waverly against the rest of the country
Compare Waverly's two percentiles: 38th within Michigan, only 11th nationally — a gap of 27 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Waverly ranks 28,019 for wildfire risk (1 is highest) and 2,171 by building count (1 is largest). Within Michigan alone, it ranks 461 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
Waverly's low wildfire rating (11th 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.
Hardening a home in Waverly
Even with 89.5% of Waverly outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 7,823 counted buildings into the percentiles shown above for Waverly. For more on what minimal exposure implies beyond Waverly, see the exposure-zones guide.