Joy, IL
Joy, IL's wildfire risk, in USFS's own numbers
Joy sits at the 30th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 347 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Joy at the 30th national percentile — 1 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
Joy rates 91.9% Minimal exposure against just 8.1% Direct and 0% Indirect — of 347 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Joy against the rest of the country
Compare Joy's two percentiles: 79th within Illinois, only 30th nationally — a gap of 50 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Joy ranks 22,149 for wildfire risk (1 is highest) and 20,389 by building count (1 is largest). Within Illinois alone, it ranks 300 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
Joy's moderate wildfire rating (30th 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.
Lowering exposure, not just insuring around it
With 91.9% of buildings rated Minimal exposure, Joy 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 Joy's 22,149-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Joy, see the exposure-zones guide.