Garrett, IL
How exposed is Garrett to wildfire?
Garrett sits at the 0th 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 111 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Garrett at the 0th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
95.5% of Garrett's 111 buildings sit in USFS's Minimal exposure zone, with only 4.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Garrett compares
There's little gap between Garrett's 0th national percentile and its 3rd percentile inside Illinois, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Garrett ranks 31,417 for wildfire risk (1 is highest) and 28,579 by building count (1 is largest). Within Illinois alone, it ranks 1,391 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
At the 0th national percentile, Garrett rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Garrett's 95.5% 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 Garrett's figures come from
Every one of the two percentiles behind Garrett's 31,417-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Garrett's dominant minimal exposure actually means, with real examples from across the dataset.