Hanover, IL
How exposed is Hanover to wildfire?
Hanover sits at the 34th 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 571 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hanover's burn probability — fire likelihood with no building count factored in — sits at the 36th percentile nationally.
What "at risk" means for the buildings here
USFS puts 85.8% of Hanover's 571 buildings in the Indirect exposure zone, versus 14.2% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Hanover compares
Hanover's 85th-percentile standing inside Illinois outpaces its 34th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Hanover ranks 20,853 for wildfire risk (1 is highest) and 16,233 by building count (1 is largest). Within Illinois alone, it ranks 216 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
Hanover's moderate wildfire rating (34th 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 Hanover
Hanover's 85.8% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Hanover's figures come from
Every one of the two percentiles behind Hanover's 20,853-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hanover's dominant indirect exposure actually means, with real examples from across the dataset.