Flossmoor, IL
Flossmoor wildfire risk explained
USFS scores Flossmoor at the 53rd national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 3,570 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 Flossmoor at the 56th percentile, close to its 53rd-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 98% of Flossmoor's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Flossmoor against the rest of the country
Flossmoor's 99th-percentile standing inside Illinois outpaces its 53rd 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, Flossmoor ranks 14,712 for wildfire risk (1 is highest) and 4,691 by building count (1 is largest). Within Illinois alone, it ranks 9 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
Flossmoor's elevated wildfire rating (53rd 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.
Hardening a home in Flossmoor
Flossmoor's 98% 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.
Where Flossmoor's figures come from
Flossmoor's 53rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Flossmoor's dominant minimal exposure actually means, with real examples from across the dataset.