Ladd, IL
Ladd wildfire risk explained
USFS scores Ladd at the 5th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 824 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ladd's burn probability — fire likelihood with no building count factored in — sits at the 5th percentile nationally.
Where Ladd's buildings actually sit
USFS classifies 93.8% of Ladd's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 6.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Ladd against the rest of the country
Compare Ladd's two percentiles: 28th within Illinois, only 5th nationally — a gap of 23 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Ladd ranks 29,964 for wildfire risk (1 is highest) and 13,408 by building count (1 is largest). Within Illinois alone, it ranks 1,036 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
Ladd's low wildfire rating (5th 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
Even with 93.8% of Ladd outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Ladd's 5th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Ladd, see the exposure-zones guide.