Andover, IL
Andover wildfire risk explained
Andover sits at the 8th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 395 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Andover at the 8th percentile, close to its 8th-percentile risk score.
Where Andover's buildings actually sit
Andover rates 69.1% Minimal exposure against just 30.9% Direct and 0% Indirect — of 395 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Andover compares
Andover's 37th-percentile standing inside Illinois outpaces its 8th 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, Andover ranks 29,112 for wildfire risk (1 is highest) and 19,316 by building count (1 is largest). Within Illinois alone, it ranks 913 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 8th national percentile, Andover rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 69.1% of buildings rated Minimal exposure, Andover gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Andover's figures come from
Every one of the two percentiles behind Andover's 29,112-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Andover's dominant minimal exposure actually means, with real examples from across the dataset.