Harwood Heights, IL
Harwood Heights wildfire risk explained
Out of every US place USFS scores, Harwood Heights lands at the 30th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 3,750 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Harwood Heights at the 34th national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Harwood Heights's buildings actually sit
Harwood Heights rates 99.9% Minimal exposure against just 0.1% Direct and 0% Indirect — of 3,750 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Harwood Heights ranks
Harwood Heights's 80th-percentile standing inside Illinois outpaces its 30th 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, Harwood Heights ranks 22,020 for wildfire risk (1 is highest) and 4,474 by building count (1 is largest). Within Illinois alone, it ranks 292 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Harwood Heights
Harwood Heights's moderate rating (30th 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
Harwood Heights's 99.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Harwood Heights's 22,020-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Harwood Heights, see the exposure-zones guide.