Geneva, IL
Geneva, IL's wildfire risk, in USFS's own numbers
Geneva sits at the 16th 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 8,008 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Geneva's burn probability — fire likelihood with no building count factored in — sits at the 17th percentile nationally.
What "at risk" means for the buildings here
Geneva rates 95.7% Minimal exposure against just 4.3% Direct and 0% Indirect — of 8,008 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 8,008 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Geneva ranks
Within Illinois, Geneva ranks higher (54th percentile) than it does nationally (16th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Geneva ranks 26,500 for wildfire risk (1 is highest) and 2,110 by building count (1 is largest). Within Illinois alone, it ranks 661 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 16th national percentile, Geneva rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 95.7% of Geneva 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 Geneva's figures come from
Geneva's 16th-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 Geneva's dominant minimal exposure actually means, with real examples from across the dataset.