Colona, IL
How exposed is Colona to wildfire?
USFS's Wildfire Risk to Communities model puts Colona at the 29th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 3,015 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Colona at the 30th percentile, close to its 29th-percentile risk score.
Where Colona's buildings actually sit
Indirect exposure is dominant in Colona (55.3% of 3,015 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 8% sit in the Direct zone.
How Colona compares
Colona's 78th-percentile standing inside Illinois outpaces its 29th 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, Colona ranks 22,304 for wildfire risk (1 is highest) and 5,408 by building count (1 is largest). Within Illinois alone, it ranks 314 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
Colona's moderate wildfire rating (29th 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
Colona's 55.3% 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 Colona's 22,304-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Colona, see the exposure-zones guide.