Harrisburg, IL
Harrisburg wildfire risk explained
USFS's Wildfire Risk to Communities model puts Harrisburg at the 35th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 5,173 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Harrisburg at the 37th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Harrisburg's buildings actually sit
Most of Harrisburg's buildings (71.7% of 5,173) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 5,173 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Harrisburg against the rest of the country
Harrisburg's 86th-percentile standing inside Illinois outpaces its 35th 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, Harrisburg ranks 20,538 for wildfire risk (1 is highest) and 3,330 by building count (1 is largest). Within Illinois alone, it ranks 196 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
Harrisburg's moderate rating (35th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Harrisburg
Even with 71.7% of Harrisburg outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Harrisburg's 20,538-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Harrisburg, see the exposure-zones guide.