Latham, IL
Latham, IL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Latham lands at the 0th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 297 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Latham at the 0th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Latham's building exposure, zone by zone
Most of Latham's buildings (96.3% of 297) 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.
Latham against the rest of the country
There's little gap between Latham's 0th national percentile and its 4th percentile inside Illinois, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Latham ranks 31,388 for wildfire risk (1 is highest) and 21,704 by building count (1 is largest). Within Illinois alone, it ranks 1,379 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Latham
At the 0th national percentile, Latham rates low 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 96.3% of Latham 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 Latham's figures come from
Every one of the two percentiles behind Latham's 31,388-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Latham's dominant minimal exposure actually means, with real examples from across the dataset.