Karnak, IL
Karnak wildfire risk explained
USFS's Wildfire Risk to Communities model puts Karnak at the 39th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 387 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Karnak at the 42nd percentile, close to its 39th-percentile risk score.
What "at risk" means for the buildings here
387 buildings are counted in Karnak, and 72.6% of them are Indirect exposure — ember-driven risk rather than the 27.4% in Direct exposure or the 0% rated Minimal.
How Karnak compares
Compare Karnak's two percentiles: 92nd within Illinois, only 39th nationally — a gap of 53 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Karnak ranks 19,215 for wildfire risk (1 is highest) and 19,463 by building count (1 is largest). Within Illinois alone, it ranks 123 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
Karnak's moderate wildfire rating (39th 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
Because 72.6% of Karnak's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Karnak's 19,215-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Karnak, see the exposure-zones guide.