Lerna, IL
How exposed is Lerna to wildfire?
Out of every US place USFS scores, Lerna lands at the 2nd percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 203 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lerna's burn probability — fire likelihood with no building count factored in — sits at the 2nd percentile nationally.
Lerna's building exposure, zone by zone
USFS classifies 94.6% of Lerna's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 5.4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Lerna ranks
Lerna scores 2nd nationally and 13th within Illinois — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Lerna ranks 31,007 for wildfire risk (1 is highest) and 24,722 by building count (1 is largest). Within Illinois alone, it ranks 1,260 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
Lerna's low rating (2nd 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 94.6% of Lerna 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 203 counted buildings into the percentiles shown above for Lerna. For more on what minimal exposure implies beyond Lerna, see the exposure-zones guide.