La Harpe, IL
La Harpe wildfire risk explained
USFS scores La Harpe at the 14th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 904 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, La Harpe's burn probability — fire likelihood with no building count factored in — sits at the 14th percentile nationally.
La Harpe's building exposure, zone by zone
Only 11.7% of La Harpe's 904 buildings carry Direct exposure and 5.1% carry Indirect; the remaining 83.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where La Harpe ranks
Within Illinois, La Harpe ranks higher (51st percentile) than it does nationally (14th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, La Harpe ranks 27,095 for wildfire risk (1 is highest) and 12,679 by building count (1 is largest). Within Illinois alone, it ranks 707 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
La Harpe's low wildfire rating (14th 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
With 83.2% of buildings rated Minimal exposure, La Harpe gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where La Harpe's figures come from
Every one of the two percentiles behind La Harpe's 27,095-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what La Harpe's dominant minimal exposure actually means, with real examples from across the dataset.