Fisher, IL
Fisher wildfire risk explained
Fisher sits at the 3rd 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 1,039 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fisher's burn probability — fire likelihood with no building count factored in — sits at the 3rd percentile nationally.
Where Fisher's buildings actually sit
95% of Fisher's 1,039 buildings sit in USFS's Minimal exposure zone, with only 5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Fisher ranks
Within Illinois, Fisher ranks higher (20th percentile) than it does nationally (3rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Fisher ranks 30,562 for wildfire risk (1 is highest) and 11,661 by building count (1 is largest). Within Illinois alone, it ranks 1,160 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Fisher and the insurance market
Fisher'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
Fisher's 95% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Fisher's 3rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Fisher, see the exposure-zones guide.