Bloomington, IL
Bloomington, IL's wildfire risk, in USFS's own numbers
USFS scores Bloomington at the 3rd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 30,084 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bloomington's burn probability — fire likelihood with no building count factored in — sits at the 4th percentile nationally.
Bloomington's building exposure, zone by zone
Most of Bloomington's buildings (98.3% of 30,084) 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. At 30,084 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Bloomington ranks
Within Illinois, Bloomington 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, Bloomington ranks 30,530 for wildfire risk (1 is highest) and 381 by building count (1 is largest). Within Illinois alone, it ranks 1,150 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Bloomington and the insurance market
Bloomington's low wildfire rating (3rd 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.
Hardening a home in Bloomington
With 98.3% of buildings rated Minimal exposure, Bloomington 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
The methodology guide shows exactly how USFS turned 30,084 counted buildings into the percentiles shown above for Bloomington. For more on what minimal exposure implies beyond Bloomington, see the exposure-zones guide.