Lake Ka-Ho, IL
How exposed is Lake Ka-Ho to wildfire?
USFS scores Lake Ka-Ho at the 23rd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 124 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lake Ka-Ho at the 24th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Lake Ka-Ho's buildings actually sit
Of Lake Ka-Ho's 124 counted buildings, 88.7% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Lake Ka-Ho against the rest of the country
Within Illinois, Lake Ka-Ho ranks higher (67th percentile) than it does nationally (23rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Lake Ka-Ho ranks 24,227 for wildfire risk (1 is highest) and 27,975 by building count (1 is largest). Within Illinois alone, it ranks 472 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 Ka-Ho's moderate wildfire rating (23rd 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
With 88.7% of Lake Ka-Ho in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Lake Ka-Ho's 24,227-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Lake Ka-Ho, see the exposure-zones guide.