Lakewood (Shelby), IL
How exposed is Lakewood (Shelby) to wildfire?
USFS's Wildfire Risk to Communities model puts Lakewood (Shelby) at the 7th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 120 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lakewood (Shelby) at the 7th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 64.2% of Lakewood (Shelby)'s buildings as Minimal exposure, the largest of the three zones here by a wide margin over 35.8% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Lakewood (Shelby) against the rest of the country
Within Illinois, Lakewood (Shelby) ranks higher (35th percentile) than it does nationally (7th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Lakewood (Shelby) ranks 29,272 for wildfire risk (1 is highest) and 28,143 by building count (1 is largest). Within Illinois alone, it ranks 937 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
Lakewood (Shelby)'s low rating (7th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Lakewood (Shelby)'s 64.2% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Lakewood (Shelby)'s figures come from
The methodology guide shows exactly how USFS turned 120 counted buildings into the percentiles shown above for Lakewood (Shelby). The exposure-zones guide covers what Lakewood (Shelby)'s dominant minimal exposure actually means, with real examples from across the dataset.