Kane, IL
How exposed is Kane to wildfire?
USFS scores Kane at the 3rd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 278 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Kane at the 3rd percentile, close to its 3rd-percentile risk score.
Where Kane's buildings actually sit
85.6% of Kane's 278 buildings sit in USFS's Minimal exposure zone, with only 14.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Kane ranks
Kane's 18th-percentile standing inside Illinois outpaces its 3rd 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, Kane ranks 30,625 for wildfire risk (1 is highest) and 22,254 by building count (1 is largest). Within Illinois alone, it ranks 1,176 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
Kane's low rating (3rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 85.6% of buildings rated Minimal exposure, Kane 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
The methodology guide shows exactly how USFS turned 278 counted buildings into the percentiles shown above for Kane. For more on what minimal exposure implies beyond Kane, see the exposure-zones guide.