Kinderhook, IL
How exposed is Kinderhook to wildfire?
Kinderhook sits at the 38th 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 208 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Kinderhook's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
Kinderhook's building exposure, zone by zone
USFS puts 93.3% of Kinderhook's 208 buildings in the Indirect exposure zone, versus 6.7% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Kinderhook ranks
Within Illinois, Kinderhook ranks higher (90th percentile) than it does nationally (38th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Kinderhook ranks 19,592 for wildfire risk (1 is highest) and 24,545 by building count (1 is largest). Within Illinois alone, it ranks 143 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Kinderhook
Kinderhook's moderate rating (38th 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 ember exposure the dominant pattern in Kinderhook (93.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Kinderhook's figures come from
Kinderhook's 38th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Kinderhook's dominant indirect exposure actually means, with real examples from across the dataset.