Como, IL
Como wildfire risk explained
Out of every US place USFS scores, Como lands at the 6th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 362 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Como at the 5th percentile, close to its 6th-percentile risk score.
What "at risk" means for the buildings here
Como rates 76.8% Minimal exposure against just 23.2% Direct and 0% Indirect — of 362 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Como ranks
Compare Como's two percentiles: 30th within Illinois, only 6th nationally — a gap of 25 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Como ranks 29,742 for wildfire risk (1 is highest) and 20,013 by building count (1 is largest). Within Illinois alone, it ranks 1,003 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
Como's low wildfire rating (6th 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.
What would actually reduce this score
Even with 76.8% of Como 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.
More on how this number was built
Como's 6th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Como, see the exposure-zones guide.