Hometown, IL
Hometown, IL's wildfire risk, in USFS's own numbers
USFS scores Hometown at the 9th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,242 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hometown at the 15th national percentile — 6 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
Most of Hometown's buildings (100% of 1,242) 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 Hometown compares
Within Illinois, Hometown ranks higher (41st percentile) than it does nationally (9th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Hometown ranks 28,670 for wildfire risk (1 is highest) and 10,387 by building count (1 is largest). Within Illinois alone, it ranks 860 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
Hometown'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.
What would actually reduce this score
Hometown's 100% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,242 counted buildings into the percentiles shown above for Hometown. For more on what minimal exposure implies beyond Hometown, see the exposure-zones guide.