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Risk & Response by Arborlook Insights

Hubbard Lake Volunteer Fire Department

VOLUNTEER MI 1 Stations
8,101
Population
877.8
Sq Miles
9
Density / Sq Mi
4
Census Tracts
Relatively Moderate
NRI Risk Rating

Service Area Overview

Your department boundary, station locations, and overall NRI risk scores by census tract. Use the sections below to explore specific hazards, fire risk indicators, and EMS demand drivers across your service area.

Service area, population, and census tract assignments are based on department boundaries from NERIS Public. Boundary accuracy varies by jurisdiction.

Natural Hazard Risk

What this means for planning: With a risk score of 80 (Relatively High nationally), landslide is your leading natural hazard. Work with emergency management to map high-risk slopes, establish technical rescue protocols, and coordinate with public works on monitoring and response during heavy rain events.

Top 5 Hazards in Your Service Area

  • Landslide
    80 Risk Score Relatively High
  • Cold Wave
    71.4 Risk Score Relatively High
  • Lightning
    70.7 Risk Score Relatively High
  • Wildfire
    68.9 Risk Score Relatively High
  • River Flood
    68.6 Risk Score Relatively High

How to read this map: Colors show absolute national risk levels (red = Very High nationally, green = Very Low nationally). These are objective hazard comparisons across all U.S. communities.

Historical Disaster Declarations

Your county has experienced 20 FEMA disaster declarations in the last 10 years, and 27 declarations in the last 25 years.

DateTypeTitle
2025-07-22Severe Ice StormSEVERE WINTER STORM
2020-07-09Dam/Levee BreakSEVERE STORMS AND FLOODING
2020-03-27BiologicalCOVID-19 PANDEMIC
2020-03-13BiologicalCOVID-19
2005-09-07HurricaneHURRICANE KATRINA EVACUATION

Demographics & Vulnerability

Why This Matters

Your community's demographics shape everything — from where you need smoke alarm programs to how many of your calls are EMS. The data below identifies who generates the most emergency demand, who faces the greatest barriers during emergencies, and who benefits most from targeted CRR outreach.

Age Distribution

Age drives EMS call volume (highest utilization: 65+ and especially 75+, with elevated rates also among children under 5), shapes fire safety education priorities, and determines evacuation assistance needs. The dark marker on each bar shows the national average.

Under 5
6.2% (502)
Ages 5-17
10.6% (859)
Ages 18-64
50.2% (4,066)
Ages 65-74
19.6% (1,588)
Ages 75-84
11.0% (890)
Ages 85+
2.4% (196)
Your Community
National Average

Social Vulnerability Indicators

These indicators identify populations that need additional support during emergencies, face barriers to self-evacuation or medical access, and benefit most from proactive CRR programming.

Vulnerability Factor Your Community Peer Average National Average vs. Peers
Disability Rate
Higher EMS utilization, evacuation assistance needs, accessible communication requirements
18.5% 19.3% 13.4% ≈ average
Poverty Rate
Economic barrier to safety resources
12.7% 11.7% 12.4% ≈ average
Uninsured Rate
May delay medical care, leading to emergencies
4.9% 5.0% 8.2% ≈ average
Limited English Households
Language barrier to emergency communication
0.1% 0.6% 4.2% 4.3x lower
No Vehicle Access
Transport-dependent for evacuation
4.1% 5.2% 8.5% slightly lower
No Internet Access
Disconnected from digital emergency alerts
12.2% 11.9% 6.6% ≈ average

Economic Context

Median Household Income
$60,715
Peers: $64,212 · National: $89,949
Per Capita Income
$34,875
Peers: $37,948 · National: $44,638
Median Home Value
$163,758
Peers: $172,236 · National: $402,984

Fire Risk Factors

What this means for planning: 23.7% of households use high-risk heating fuels (wood, fuel oil, coal). Prioritize public education on heating safety, chimney inspections, proper fuel storage, and clearance around heating equipment. Partner with code enforcement on rental property inspections during heating season.

How to read this map: Colors show relative risk within your jurisdiction (red = highest-need tracts, green = lowest-need). Check the table below for overall levels vs. peers and national averages.

Risk Factor Your Community Peer Average National Average vs. Peers
Pre-1980 Housing
Pre-1980 construction standards
58.1% 41.5% 36.0% slightly higher
High-Risk Heating
Wood, fuel oil, coal
23.7% 11.2% 5.7% 2.1x higher
Vacancy Rate
Vacant properties at higher fire risk
50.9% 36.8% 10.3% slightly higher
Mobile Homes
Structural fire spread risk
10.8% 6.8% 5.8% 1.6x higher
Renter-Occupied
Higher turnover, variable maintenance
7.6% 12.1% 34.4% 1.6x lower

EMS Risk Factors

EMS typically accounts for 60-80% of fire department call volume nationally. The demographics below are the strongest predictors of where that demand comes from in your service area.

What this means for planning: 18.5% of residents have a disability — slightly higher the national average. Residents with disabilities have higher EMS utilization and may require specialized evacuation assistance, accessible communication during emergencies, and coordination with social services. Consider functional needs assessments in pre-incident planning and partnerships with disability advocacy organizations.

How to read this map: Colors show relative risk within your jurisdiction (red = highest-need tracts, green = lowest-need). Check the table below for overall levels vs. peers and national averages.

Risk Factor Your Community Peer Average National Average vs. Peers
Population 65+
Highest EMS utilization group
33.0% 30.5% 17.4% ≈ average
Disability Rate
Higher EMS utilization, specialized assistance needs
18.5% 19.3% 13.4% ≈ average
No Vehicle Access
Transport-dependent for medical access
4.1% 5.2% 8.5% slightly lower
Uninsured Rate
May delay care, leading to emergencies
4.9% 5.0% 8.2% ≈ average
Poverty Rate
Economic barrier to healthcare access
12.7% 11.7% 12.4% ≈ average

Critical Infrastructure Protected

Hospitals, schools, nursing homes, and childcare centers require pre-incident plans and specialized evacuation protocols. These counts go directly into AFG/SAFER grant narratives and CPSE/CFAI Standards of Cover documentation.

0
Hospitals
2
Schools (K-12)
2
Childcare Centers
0
Nursing Homes
4
Total Facilities

Peer Comparison

Departments similar to yours in size, type, density class, and region. Peer benchmarks contextualize your community risk profile and support “demonstrated need” narratives in grant applications.

Department State Population Risk Score 65+ % Poverty % Stations
Hubbard Lake Volunteer Fire Department (You) MI 8,101 41.6 33.0% 12.7% 1
Rose City Area Fire Department MI 6,877 46.3 32.0% 13.8% 1
Rogers City Area Fire Department MI 8,734 41.2 34.3% 14.7% 1
Pelican Lake Fire District Inc. WI 6,228 50.2 32.8% 10.2% 1
Posen Area Fire And Rescue MI 4,475 38.1 32.5% 12.5% 1

Your Community Risk Profile Is Half the Story

This page shows what your community faces. Connecting your NERIS data shows the other half — where response is slowest in your highest-risk areas, whether you're meeting NFPA benchmarks, and how your CRR investments are performing against actual demand.

See the Response Dashboard

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