Fairfield, IL
Fairfield wildfire risk explained
Fairfield sits at the 7th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 3,406 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fairfield's burn probability — fire likelihood with no building count factored in — sits at the 7th percentile nationally.
Where Fairfield's buildings actually sit
3,406 buildings are counted in Fairfield, and 45.1% of them are Indirect exposure — ember-driven risk rather than the 12.6% in Direct exposure or the 42.3% rated Minimal.
Where Fairfield ranks
Within Illinois, Fairfield ranks higher (36th percentile) than it does nationally (7th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Fairfield ranks 29,177 for wildfire risk (1 is highest) and 4,913 by building count (1 is largest). Within Illinois alone, it ranks 922 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
Fairfield's low rating (7th 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
Fairfield's 45.1% 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.
Where Fairfield's figures come from
Every one of the two percentiles behind Fairfield's 29,177-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Fairfield's dominant indirect exposure actually means, with real examples from across the dataset.