Lake Villa, IL
How exposed is Lake Villa to wildfire?
USFS's Wildfire Risk to Communities model puts Lake Villa at the 35th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 3,062 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake Villa's burn probability — fire likelihood with no building count factored in — sits at the 37th percentile nationally.
Where Lake Villa's buildings actually sit
79.7% of Lake Villa's 3,062 buildings sit in USFS's Minimal exposure zone, with only 20.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Lake Villa compares
Lake Villa's 87th-percentile standing inside Illinois outpaces its 35th 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, Lake Villa ranks 20,414 for wildfire risk (1 is highest) and 5,339 by building count (1 is largest). Within Illinois alone, it ranks 188 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 35th national percentile, Lake Villa 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
Even with 79.7% of Lake Villa 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
The methodology guide shows exactly how USFS turned 3,062 counted buildings into the percentiles shown above for Lake Villa. For more on what minimal exposure implies beyond Lake Villa, see the exposure-zones guide.