Deerfield, IL
How exposed is Deerfield to wildfire?
Deerfield sits at the 24th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 6,561 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Deerfield's burn probability — fire likelihood with no building count factored in — sits at the 27th percentile nationally.
Deerfield's building exposure, zone by zone
Deerfield rates 91.3% Minimal exposure against just 8.8% Direct and 0% Indirect — of 6,561 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 6,561 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Deerfield against the rest of the country
Within Illinois, Deerfield ranks higher (70th percentile) than it does nationally (24th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Deerfield ranks 23,852 for wildfire risk (1 is highest) and 2,643 by building count (1 is largest). Within Illinois alone, it ranks 435 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
Deerfield's moderate wildfire rating (24th 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.
Hardening a home in Deerfield
Even with 91.3% of Deerfield 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 Deerfield's figures come from
Deerfield's 24th-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 Deerfield's dominant minimal exposure actually means, with real examples from across the dataset.