Gurnee, IL
Gurnee, IL's wildfire risk, in USFS's own numbers
Gurnee sits at the 35th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 9,988 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Gurnee's burn probability — fire likelihood with no building count factored in — sits at the 37th percentile nationally.
Where Gurnee's buildings actually sit
87.4% of Gurnee's 9,988 buildings sit in USFS's Minimal exposure zone, with only 12.7% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 9,988 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Gurnee against the rest of the country
Within Illinois, Gurnee ranks higher (87th percentile) than it does nationally (35th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Gurnee ranks 20,413 for wildfire risk (1 is highest) and 1,615 by building count (1 is largest). Within Illinois alone, it ranks 187 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 35th national percentile, Gurnee rates moderate 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
Gurnee's 87.4% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 9,988 counted buildings into the percentiles shown above for Gurnee. For more on what minimal exposure implies beyond Gurnee, see the exposure-zones guide.