Lake Bluff, IL
Lake Bluff wildfire risk explained
Out of every US place USFS scores, Lake Bluff lands at the 28th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 2,527 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake Bluff's burn probability — fire likelihood with no building count factored in — sits at the 30th percentile nationally.
Lake Bluff's building exposure, zone by zone
Most of Lake Bluff's buildings (55.4% of 2,527) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Lake Bluff compares
Compare Lake Bluff's two percentiles: 77th within Illinois, only 28th nationally — a gap of 49 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Lake Bluff ranks 22,620 for wildfire risk (1 is highest) and 6,246 by building count (1 is largest). Within Illinois alone, it ranks 335 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
At the 28th national percentile, Lake Bluff rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 55.4% of buildings rated Minimal exposure, Lake Bluff gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,527 counted buildings into the percentiles shown above for Lake Bluff. For more on what minimal exposure implies beyond Lake Bluff, see the exposure-zones guide.