Lake City, IL
Lake City, IL's wildfire risk, in USFS's own numbers
Lake City's 89 buildings earn a 0th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lake City at the 0th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Lake City's buildings actually sit
Only 21.4% of Lake City's 89 buildings carry Direct exposure and 0% carry Indirect; the remaining 78.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Lake City ranks
Lake City's risk sits at a similar level relative to Illinois (0th percentile statewide) as it does nationally (0th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lake City ranks 31,516 for wildfire risk (1 is highest) and 29,527 by building count (1 is largest). Within Illinois alone, it ranks 1,442 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
Lake City's low rating (0th 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
Even with 78.7% of Lake City 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.
Where Lake City's figures come from
Lake City's 0th-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 Lake City's dominant minimal exposure actually means, with real examples from across the dataset.