Litchfield, IL
How exposed is Litchfield to wildfire?
USFS scores Litchfield at the 20th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 4,208 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Litchfield's burn probability — fire likelihood with no building count factored in — sits at the 21st percentile nationally.
Litchfield's building exposure, zone by zone
Litchfield rates 49.5% Minimal exposure against just 10.4% Direct and 40.1% Indirect — of 4,208 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Litchfield against the rest of the country
Within Illinois, Litchfield ranks higher (62nd percentile) than it does nationally (20th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Litchfield ranks 25,143 for wildfire risk (1 is highest) and 4,051 by building count (1 is largest). Within Illinois alone, it ranks 550 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Litchfield and the insurance market
At the 20th national percentile, Litchfield rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 49.5% of Litchfield 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 Litchfield's figures come from
Litchfield's 20th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Litchfield's dominant minimal exposure actually means, with real examples from across the dataset.