Beecher, IL
Beecher wildfire risk explained
USFS's Wildfire Risk to Communities model puts Beecher at the 16th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,923 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Beecher's burn probability — fire likelihood with no building count factored in — sits at the 17th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 94.8% of Beecher's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 5.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Beecher compares
Beecher's 54th-percentile standing inside Illinois outpaces its 16th 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, Beecher ranks 26,496 for wildfire risk (1 is highest) and 7,700 by building count (1 is largest). Within Illinois alone, it ranks 657 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
Beecher's low wildfire rating (16th 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
With 94.8% of buildings rated Minimal exposure, Beecher gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Beecher's 26,496-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Beecher, see the exposure-zones guide.