Hammond, IL
Hammond wildfire risk explained
Out of every US place USFS scores, Hammond lands at the 0th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 359 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 Hammond at the 0th percentile, close to its 0th-percentile risk score.
Hammond's building exposure, zone by zone
USFS classifies 95.5% of Hammond's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 4.5% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Hammond against the rest of the country
There's little gap between Hammond's 0th national percentile and its 5th percentile inside Illinois, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hammond ranks 31,386 for wildfire risk (1 is highest) and 20,080 by building count (1 is largest). Within Illinois alone, it ranks 1,377 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 0th national percentile, Hammond rates low 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
Hammond's 95.5% 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.
Where Hammond's figures come from
Every one of the two percentiles behind Hammond's 31,386-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hammond's dominant minimal exposure actually means, with real examples from across the dataset.