Jacksonville, IL
How exposed is Jacksonville to wildfire?
USFS's Wildfire Risk to Communities model puts Jacksonville at the 3rd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 8,918 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Jacksonville at the 3rd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Jacksonville's buildings actually sit
Only 2.4% of Jacksonville's 8,918 buildings carry Direct exposure and 0% carry Indirect; the remaining 97.6% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 8,918 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Jacksonville compares
There's little gap between Jacksonville's 3rd national percentile and its 18th percentile inside Illinois, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Jacksonville ranks 30,687 for wildfire risk (1 is highest) and 1,868 by building count (1 is largest). Within Illinois alone, it ranks 1,187 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
Jacksonville's low wildfire rating (3rd 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
Even with 97.6% of Jacksonville 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
The methodology guide shows exactly how USFS turned 8,918 counted buildings into the percentiles shown above for Jacksonville. For more on what minimal exposure implies beyond Jacksonville, see the exposure-zones guide.