Highland, IL
Highland, IL's wildfire risk, in USFS's own numbers
USFS scores Highland at the 9th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 4,595 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Highland at the 9th percentile, close to its 9th-percentile risk score.
Where Highland's buildings actually sit
Highland rates 94.1% Minimal exposure against just 5.9% Direct and 0% Indirect — of 4,595 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Highland compares
Highland's 41st-percentile standing inside Illinois outpaces its 9th 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, Highland ranks 28,638 for wildfire risk (1 is highest) and 3,710 by building count (1 is largest). Within Illinois alone, it ranks 856 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
Highland's low wildfire rating (9th 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 Highland
With 94.1% of buildings rated Minimal exposure, Highland 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
Every one of the two percentiles behind Highland's 28,638-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Highland, see the exposure-zones guide.