Girard, IL
Girard, IL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Girard at the 4th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,176 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Girard's burn probability — fire likelihood with no building count factored in — sits at the 4th percentile nationally.
Where Girard's buildings actually sit
Most of Girard's buildings (98% of 1,176) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Girard ranks
Girard's 23rd-percentile standing inside Illinois outpaces its 4th 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, Girard ranks 30,310 for wildfire risk (1 is highest) and 10,786 by building count (1 is largest). Within Illinois alone, it ranks 1,108 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Girard
Girard's low wildfire rating (4th 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.
Lowering exposure, not just insuring around it
With 98% of buildings rated Minimal exposure, Girard gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Girard's figures come from
The methodology guide shows exactly how USFS turned 1,176 counted buildings into the percentiles shown above for Girard. The exposure-zones guide covers what Girard's dominant minimal exposure actually means, with real examples from across the dataset.