Banner, IL
How exposed is Banner to wildfire?
Banner sits at the 35th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 158 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 Banner at the 34th percentile, close to its 35th-percentile risk score.
Banner's building exposure, zone by zone
USFS puts 60.1% of Banner's 158 buildings in the Indirect exposure zone, versus 39.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Banner compares
Banner's 87th-percentile standing inside Illinois outpaces its 35th 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, Banner ranks 20,537 for wildfire risk (1 is highest) and 26,520 by building count (1 is largest). Within Illinois alone, it ranks 195 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Banner and the insurance market
At the 35th national percentile, Banner 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 Banner
Banner's 60.1% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Banner's 20,537-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Banner, see the exposure-zones guide.