Havana, IL
How exposed is Havana to wildfire?
Havana's 2,111 buildings earn a 13th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Havana at the 11th percentile, close to its 13th-percentile risk score.
What "at risk" means for the buildings here
Most of Havana's buildings (52.9% of 2,111) 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.
How Havana compares
Within Illinois, Havana ranks higher (49th percentile) than it does nationally (13th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Havana ranks 27,412 for wildfire risk (1 is highest) and 7,162 by building count (1 is largest). Within Illinois alone, it ranks 740 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
Havana's low wildfire rating (13th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Havana
With 52.9% of buildings rated Minimal exposure, Havana gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Havana's figures come from
Havana's 13th-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 Havana's dominant minimal exposure actually means, with real examples from across the dataset.