La Rose, IL
La Rose, IL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts La Rose at the 7th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 124 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 La Rose at the 7th percentile, close to its 7th-percentile risk score.
La Rose's building exposure, zone by zone
Only 6.5% of La Rose's 124 buildings carry Direct exposure and 0% carry Indirect; the remaining 93.6% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How La Rose compares
La Rose's 36th-percentile standing inside Illinois outpaces its 7th 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, La Rose ranks 29,180 for wildfire risk (1 is highest) and 27,976 by building count (1 is largest). Within Illinois alone, it ranks 925 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 Rose's low wildfire rating (7th 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
La Rose's 93.6% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where La Rose's figures come from
La Rose's 7th-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 La Rose's dominant minimal exposure actually means, with real examples from across the dataset.