Wolverine Lake, MI
Wolverine Lake, MI's wildfire risk, in USFS's own numbers
USFS scores Wolverine Lake at the 10th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,881 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Wolverine Lake at the 11th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Only 9.6% of Wolverine Lake's 1,881 buildings carry Direct exposure and 0% carry Indirect; the remaining 90.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Wolverine Lake ranks
Compare Wolverine Lake's two percentiles: 33rd within Michigan, only 10th nationally — a gap of 23 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Wolverine Lake ranks 28,437 for wildfire risk (1 is highest) and 7,821 by building count (1 is largest). Within Michigan alone, it ranks 500 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
Wolverine Lake's low rating (10th 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
Wolverine Lake's 90.4% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Wolverine Lake's 28,437-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Wolverine Lake, see the exposure-zones guide.