Bone Gap, IL
Bone Gap, IL's wildfire risk, in USFS's own numbers
USFS scores Bone Gap at the 2nd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 211 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bone Gap at the 2nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
50.2% of Bone Gap's 211 buildings sit in USFS's Minimal exposure zone, with only 49.8% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Bone Gap compares
Bone Gap scores 2nd nationally and 14th within Illinois — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Bone Gap ranks 30,938 for wildfire risk (1 is highest) and 24,432 by building count (1 is largest). Within Illinois alone, it ranks 1,238 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
Bone Gap's low rating (2nd 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
Even with 50.2% of Bone Gap 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 Bone Gap's figures come from
Bone Gap's 2nd-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 Bone Gap's dominant minimal exposure actually means, with real examples from across the dataset.