Harmon, IL
Harmon, IL's wildfire risk, in USFS's own numbers
Harmon sits at the 0th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 119 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Harmon at the 0th percentile, close to its 0th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 82.4% of Harmon's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 17.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Harmon compares
There's little gap between Harmon's 0th national percentile and its 1st percentile inside Illinois, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Harmon ranks 31,511 for wildfire risk (1 is highest) and 28,184 by building count (1 is largest). Within Illinois alone, it ranks 1,437 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Harmon
At the 0th national percentile, Harmon 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
With 82.4% of buildings rated Minimal exposure, Harmon gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Harmon's figures come from
Harmon's 0th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Harmon's dominant minimal exposure actually means, with real examples from across the dataset.