Flat Rock, IL
How exposed is Flat Rock to wildfire?
USFS's Wildfire Risk to Communities model puts Flat Rock at the 7th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 331 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Flat Rock at the 8th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Flat Rock's buildings actually sit
Most of Flat Rock's buildings (76.7% of 331) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Flat Rock compares
Flat Rock's 36th-percentile standing inside Illinois outpaces its 7th 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, Flat Rock ranks 29,178 for wildfire risk (1 is highest) and 20,787 by building count (1 is largest). Within Illinois alone, it ranks 923 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
Flat Rock'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.
Hardening a home in Flat Rock
With 76.7% of buildings rated Minimal exposure, Flat Rock 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 331 counted buildings into the percentiles shown above for Flat Rock. For more on what minimal exposure implies beyond Flat Rock, see the exposure-zones guide.