Hardin, IL
How exposed is Hardin to wildfire?
USFS scores Hardin at the 32nd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 582 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hardin at the 33rd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Hardin's buildings actually sit
582 buildings are counted in Hardin, and 50.2% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 1.4% rated Minimal.
Hardin against the rest of the country
Compare Hardin's two percentiles: 82nd within Illinois, only 32nd nationally — a gap of 50 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Hardin ranks 21,452 for wildfire risk (1 is highest) and 16,076 by building count (1 is largest). Within Illinois alone, it ranks 257 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Hardin and the insurance market
At the 32nd national percentile, Hardin rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Hardin
With 50.2% of Hardin in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Hardin's 32nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Hardin, see the exposure-zones guide.