Henderson, IL
How exposed is Henderson to wildfire?
USFS's Wildfire Risk to Communities model puts Henderson at the 5th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 222 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Henderson at the 5th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Henderson's building exposure, zone by zone
86.9% of Henderson's 222 buildings sit in USFS's Minimal exposure zone, with only 13.1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Henderson ranks
Within Illinois, Henderson ranks higher (30th percentile) than it does nationally (5th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Henderson ranks 29,873 for wildfire risk (1 is highest) and 24,047 by building count (1 is largest). Within Illinois alone, it ranks 1,019 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Henderson
Henderson's low wildfire rating (5th 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.
What would actually reduce this score
With 86.9% of buildings rated Minimal exposure, Henderson 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
Henderson's 5th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Henderson, see the exposure-zones guide.