Lima, IL
Lima, IL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Lima at the 22nd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 117 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lima's burn probability — fire likelihood with no building count factored in — sits at the 22nd percentile nationally.
What "at risk" means for the buildings here
92.3% of Lima's 117 buildings sit in USFS's Minimal exposure zone, with only 7.7% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Lima compares
Within Illinois, Lima ranks higher (66th percentile) than it does nationally (22nd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Lima ranks 24,543 for wildfire risk (1 is highest) and 28,292 by building count (1 is largest). Within Illinois alone, it ranks 493 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Lima and the insurance market
Lima's moderate wildfire rating (22nd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Even with 92.3% of Lima 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
Every one of the two percentiles behind Lima's 24,543-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Lima, see the exposure-zones guide.