Gilman, IL
Gilman wildfire risk explained
USFS scores Gilman at the 1st national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,197 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 Gilman at the 1st percentile, close to its 1st-percentile risk score.
What "at risk" means for the buildings here
Gilman rates 92.5% Minimal exposure against just 7.5% Direct and 0% Indirect — of 1,197 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Gilman compares
Gilman scores 1st nationally and 9th within Illinois — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Gilman ranks 31,227 for wildfire risk (1 is highest) and 10,658 by building count (1 is largest). Within Illinois alone, it ranks 1,319 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
Gilman's low rating (1st 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 Gilman
Gilman's 92.5% 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 Gilman's figures come from
Every one of the two percentiles behind Gilman's 31,227-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Gilman's dominant minimal exposure actually means, with real examples from across the dataset.