Apple River, IL
How exposed is Apple River to wildfire?
Apple River's 328 buildings earn a 12th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Apple River's burn probability — fire likelihood with no building count factored in — sits at the 12th percentile nationally.
Where Apple River's buildings actually sit
Most of Apple River's buildings (80.5% of 328) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Apple River against the rest of the country
Compare Apple River's two percentiles: 47th within Illinois, only 12th nationally — a gap of 35 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Apple River ranks 27,598 for wildfire risk (1 is highest) and 20,867 by building count (1 is largest). Within Illinois alone, it ranks 758 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
Apple River's low rating (12th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Apple River's 80.5% 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.
Where Apple River's figures come from
Every one of the two percentiles behind Apple River's 27,598-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Apple River's dominant minimal exposure actually means, with real examples from across the dataset.