Concord, IL
Concord wildfire risk explained
Out of every US place USFS scores, Concord lands at the 5th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 139 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Concord's burn probability — fire likelihood with no building count factored in — sits at the 5th percentile nationally.
Where Concord's buildings actually sit
94.2% of Concord's 139 buildings sit in USFS's Minimal exposure zone, with only 5.8% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Concord against the rest of the country
Within Illinois, Concord ranks higher (29th percentile) than it does nationally (5th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Concord ranks 29,872 for wildfire risk (1 is highest) and 27,320 by building count (1 is largest). Within Illinois alone, it ranks 1,018 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
Concord's low wildfire rating (5th 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
Concord's 94.2% 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.
More on how this number was built
Concord's 5th-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 Concord, see the exposure-zones guide.