Grantfork, IL
How exposed is Grantfork to wildfire?
Grantfork sits at the 9th 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 224 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Grantfork's burn probability — fire likelihood with no building count factored in — sits at the 10th percentile nationally.
Where Grantfork's buildings actually sit
Only 34.8% of Grantfork's 224 buildings carry Direct exposure and 0% carry Indirect; the remaining 65.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Grantfork compares
Compare Grantfork's two percentiles: 41st within Illinois, only 9th nationally — a gap of 32 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Grantfork ranks 28,576 for wildfire risk (1 is highest) and 23,975 by building count (1 is largest). Within Illinois alone, it ranks 848 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
Grantfork's low wildfire rating (9th 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.
What would actually reduce this score
Even with 65.2% of Grantfork 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 Grantfork's figures come from
Grantfork's 9th-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 Grantfork's dominant minimal exposure actually means, with real examples from across the dataset.