Findlay, IL
How exposed is Findlay to wildfire?
USFS's Wildfire Risk to Communities model puts Findlay at the 8th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 572 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Findlay at the 7th percentile, close to its 8th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 95.3% of Findlay's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 3.9% Direct and 0.9% Indirect — a landscape-level risk rather than a building-by-building one.
Where Findlay ranks
Findlay's 37th-percentile standing inside Illinois outpaces its 8th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Findlay ranks 29,113 for wildfire risk (1 is highest) and 16,212 by building count (1 is largest). Within Illinois alone, it ranks 914 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Findlay and the insurance market
Findlay's low wildfire rating (8th 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
With 95.3% of buildings rated Minimal exposure, Findlay 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
Every one of the two percentiles behind Findlay's 29,113-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Findlay, see the exposure-zones guide.