Dover, IL
Dover wildfire risk explained
Dover's 133 buildings earn a 1st-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 Dover at the 1st percentile, close to its 1st-percentile risk score.
Where Dover's buildings actually sit
76.7% of Dover's 133 buildings sit in USFS's Minimal exposure zone, with only 23.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Dover ranks
Dover's risk sits at a similar level relative to Illinois (11th percentile statewide) as it does nationally (1st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Dover ranks 31,130 for wildfire risk (1 is highest) and 27,571 by building count (1 is largest). Within Illinois alone, it ranks 1,294 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
Dover's low rating (1st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 76.7% of Dover 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 Dover's figures come from
Dover's 1st-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 Dover's dominant minimal exposure actually means, with real examples from across the dataset.