Hinsdale, IL
How exposed is Hinsdale to wildfire?
USFS's Wildfire Risk to Communities model puts Hinsdale at the 30th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 7,047 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hinsdale at the 34th national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
95.3% of Hinsdale's 7,047 buildings sit in USFS's Minimal exposure zone, with only 4.7% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 7,047 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Hinsdale against the rest of the country
Hinsdale'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, Hinsdale ranks 22,083 for wildfire risk (1 is highest) and 2,431 by building count (1 is largest). Within Illinois alone, it ranks 295 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
At the 30th national percentile, Hinsdale rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 95.3% of Hinsdale outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Hinsdale's 30th-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 Hinsdale, see the exposure-zones guide.