Cherry, IL
Cherry wildfire risk explained
Cherry's 375 buildings earn a 0th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cherry at the 0th percentile, close to its 0th-percentile risk score.
Where Cherry's buildings actually sit
USFS classifies 90.1% of Cherry's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 9.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Cherry ranks
Cherry's risk sits at a similar level relative to Illinois (4th percentile statewide) as it does nationally (0th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Cherry ranks 31,383 for wildfire risk (1 is highest) and 19,758 by building count (1 is largest). Within Illinois alone, it ranks 1,374 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
Cherry's low wildfire rating (0th 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
Cherry's 90.1% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Cherry's figures come from
Cherry's 0th-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 Cherry's dominant minimal exposure actually means, with real examples from across the dataset.