Fox Lake, IL
How exposed is Fox Lake to wildfire?
Fox Lake's 4,419 buildings earn a 39th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fox Lake's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
Fox Lake's building exposure, zone by zone
Fox Lake rates 70.5% Minimal exposure against just 17.9% Direct and 11.6% Indirect — of 4,419 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Fox Lake ranks
Within Illinois, Fox Lake ranks higher (91st percentile) than it does nationally (39th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Fox Lake ranks 19,277 for wildfire risk (1 is highest) and 3,865 by building count (1 is largest). Within Illinois alone, it ranks 129 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Fox Lake
Fox Lake's moderate rating (39th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 70.5% of Fox Lake outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Fox Lake's figures come from
Fox Lake's 39th-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 Fox Lake's dominant minimal exposure actually means, with real examples from across the dataset.