Albers, IL
Albers, IL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Albers lands at the 7th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 588 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Albers's burn probability — fire likelihood with no building count factored in — sits at the 7th percentile nationally.
Albers's building exposure, zone by zone
USFS classifies 85.2% of Albers's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 14.8% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Albers ranks
Within Illinois, Albers ranks higher (34th percentile) than it does nationally (7th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Albers ranks 29,425 for wildfire risk (1 is highest) and 15,989 by building count (1 is largest). Within Illinois alone, it ranks 958 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
Albers's low wildfire rating (7th 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
Even with 85.2% of Albers 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.
Where Albers's figures come from
The methodology guide shows exactly how USFS turned 588 counted buildings into the percentiles shown above for Albers. The exposure-zones guide covers what Albers's dominant minimal exposure actually means, with real examples from across the dataset.