Homer, IL
How exposed is Homer to wildfire?
USFS's Wildfire Risk to Communities model puts Homer at the 2nd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 824 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Homer's burn probability — fire likelihood with no building count factored in — sits at the 2nd percentile nationally.
Where Homer's buildings actually sit
USFS classifies 94.9% of Homer's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 5.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Homer against the rest of the country
Homer's risk sits at a similar level relative to Illinois (17th percentile statewide) as it does nationally (2nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Homer ranks 30,753 for wildfire risk (1 is highest) and 13,407 by building count (1 is largest). Within Illinois alone, it ranks 1,201 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Homer
At the 2nd national percentile, Homer rates low 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
Homer's 94.9% 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.
Where Homer's figures come from
Every one of the two percentiles behind Homer's 30,753-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Homer's dominant minimal exposure actually means, with real examples from across the dataset.