Hainesville, IL
Hainesville, IL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Hainesville lands at the 28th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 946 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hainesville at the 29th percentile, close to its 28th-percentile risk score.
Hainesville's building exposure, zone by zone
96.4% of Hainesville's 946 buildings sit in USFS's Minimal exposure zone, with only 3.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Hainesville ranks
Within Illinois, Hainesville ranks higher (77th percentile) than it does nationally (28th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Hainesville ranks 22,619 for wildfire risk (1 is highest) and 12,328 by building count (1 is largest). Within Illinois alone, it ranks 334 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
Hainesville's moderate wildfire rating (28th 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.
Hardening a home in Hainesville
With 96.4% of buildings rated Minimal exposure, Hainesville gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Hainesville's figures come from
Every one of the two percentiles behind Hainesville's 22,619-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hainesville's dominant minimal exposure actually means, with real examples from across the dataset.