Hartford, IL
Hartford, IL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Hartford lands at the 11th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 1,206 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 Hartford at the 11th percentile, close to its 11th-percentile risk score.
What "at risk" means for the buildings here
Only 1.7% of Hartford's 1,206 buildings carry Direct exposure and 0% carry Indirect; the remaining 98.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Hartford ranks
Hartford's 46th-percentile standing inside Illinois outpaces its 11th 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, Hartford ranks 27,913 for wildfire risk (1 is highest) and 10,615 by building count (1 is largest). Within Illinois alone, it ranks 784 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
Hartford's low rating (11th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 98.3% of buildings rated Minimal exposure, Hartford gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,206 counted buildings into the percentiles shown above for Hartford. For more on what minimal exposure implies beyond Hartford, see the exposure-zones guide.