Ashmore, IL
Ashmore, IL's wildfire risk, in USFS's own numbers
Ashmore sits at the 3rd 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 539 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ashmore's burn probability — fire likelihood with no building count factored in — sits at the 3rd percentile nationally.
Where Ashmore's buildings actually sit
Most of Ashmore's buildings (77.7% of 539) 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.
Ashmore against the rest of the country
Within Illinois, Ashmore ranks higher (20th percentile) than it does nationally (3rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Ashmore ranks 30,529 for wildfire risk (1 is highest) and 16,729 by building count (1 is largest). Within Illinois alone, it ranks 1,149 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
Ashmore's low rating (3rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 77.7% of Ashmore 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 Ashmore's figures come from
Ashmore's 3rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Ashmore's dominant minimal exposure actually means, with real examples from across the dataset.