Farmer City, IL
Farmer City wildfire risk explained
USFS scores Farmer City at the 3rd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,266 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Farmer City at the 3rd percentile, close to its 3rd-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 93.8% of Farmer City's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 6.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Farmer City ranks
Compare Farmer City's two percentiles: 19th within Illinois, only 3rd nationally — a gap of 16 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Farmer City ranks 30,624 for wildfire risk (1 is highest) and 10,267 by building count (1 is largest). Within Illinois alone, it ranks 1,175 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Farmer City and the insurance market
Farmer City's low rating (3rd 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
With 93.8% of buildings rated Minimal exposure, Farmer City gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,266 counted buildings into the percentiles shown above for Farmer City. For more on what minimal exposure implies beyond Farmer City, see the exposure-zones guide.