Lily Lake, IL
Lily Lake, IL's wildfire risk, in USFS's own numbers
USFS scores Lily Lake at the 10th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 504 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lily Lake's burn probability — fire likelihood with no building count factored in — sits at the 10th percentile nationally.
Where Lily Lake's buildings actually sit
Only 47.4% of Lily Lake's 504 buildings carry Direct exposure and 0% carry Indirect; the remaining 52.6% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Lily Lake ranks
Within Illinois, Lily Lake ranks higher (43rd percentile) than it does nationally (10th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Lily Lake ranks 28,355 for wildfire risk (1 is highest) and 17,264 by building count (1 is largest). Within Illinois alone, it ranks 822 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
Lily Lake's low rating (10th 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
Lily Lake's 52.6% 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 Lily Lake's figures come from
The methodology guide shows exactly how USFS turned 504 counted buildings into the percentiles shown above for Lily Lake. The exposure-zones guide covers what Lily Lake's dominant minimal exposure actually means, with real examples from across the dataset.