Adams, IL
How exposed is Adams to wildfire?
USFS's Wildfire Risk to Communities model puts Adams at the 21st national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 106 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Adams's burn probability — fire likelihood with no building count factored in — sits at the 21st percentile nationally.
What "at risk" means for the buildings here
47.2% of Adams's 106 buildings sit in USFS's Direct exposure zone, roughly 50 structures close enough to burnable vegetation for flame contact, not just embers — 6.6% fall in the Indirect, ember-only zone and 46.2% are Minimal.
Adams against the rest of the country
Adams's 63rd-percentile standing inside Illinois outpaces its 21st 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, Adams ranks 24,954 for wildfire risk (1 is highest) and 28,763 by building count (1 is largest). Within Illinois alone, it ranks 529 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
What this risk score means for insurance
At the 21st national percentile, Adams rates moderate 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 Adams
Because Direct exposure dominates in Adams (47.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Adams's figures come from
The methodology guide shows exactly how USFS turned 106 counted buildings into the percentiles shown above for Adams. The exposure-zones guide covers what Adams's dominant direct exposure actually means, with real examples from across the dataset.