Golf, IL
Golf, IL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Golf at the 26th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 210 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Golf at the 31st percentile, close to its 26th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 86.7% of Golf's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 13.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Golf ranks
Compare Golf's two percentiles: 74th within Illinois, only 26th nationally — a gap of 48 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Golf ranks 23,222 for wildfire risk (1 is highest) and 24,470 by building count (1 is largest). Within Illinois alone, it ranks 379 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Golf
At the 26th national percentile, Golf rates moderate 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
Even with 86.7% of Golf 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 210 counted buildings into the percentiles shown above for Golf. For more on what minimal exposure implies beyond Golf, see the exposure-zones guide.