Florence, IL
Florence wildfire risk explained
Out of every US place USFS scores, Florence lands at the 21st percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 49 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Florence at the 21st national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Florence's buildings actually sit
49 buildings are counted in Florence, and 83.7% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 4.1% rated Minimal.
How Florence compares
Compare Florence's two percentiles: 63rd within Illinois, only 21st nationally — a gap of 42 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Florence ranks 25,014 for wildfire risk (1 is highest) and 30,949 by building count (1 is largest). Within Illinois alone, it ranks 538 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
Florence's moderate rating (21st 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 Florence
With 83.7% of Florence in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Florence's 21st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Florence, see the exposure-zones guide.