White Cloud, MI
White Cloud, MI's wildfire risk, in USFS's own numbers
White Cloud's 693 buildings earn a 44th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts White Cloud at the 43rd percentile, close to its 44th-percentile risk score.
White Cloud's building exposure, zone by zone
USFS puts 75.8% of White Cloud's 693 buildings in the Indirect exposure zone, versus 23.8% Direct and 0.4% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How White Cloud compares
Within Michigan, White Cloud ranks higher (93rd percentile) than it does nationally (44th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, White Cloud ranks 17,798 for wildfire risk (1 is highest) and 14,734 by building count (1 is largest). Within Michigan alone, it ranks 54 of 745 places by risk. See the full county-by-county picture for Michigan on its state page.
Shopping for coverage in White Cloud
White Cloud's elevated wildfire rating (44th 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
White Cloud's 75.8% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
White Cloud's 44th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond White Cloud, see the exposure-zones guide.