Loami, IL
How exposed is Loami to wildfire?
Loami's 497 buildings earn a 9th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Loami at the 9th percentile, close to its 9th-percentile risk score.
What "at risk" means for the buildings here
84.1% of Loami's 497 buildings sit in USFS's Minimal exposure zone, with only 15.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Loami compares
Loami's 40th-percentile standing inside Illinois outpaces its 9th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Loami ranks 28,763 for wildfire risk (1 is highest) and 17,401 by building count (1 is largest). Within Illinois alone, it ranks 867 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Loami and the insurance market
Loami's low rating (9th 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
Loami's 84.1% 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 Loami's figures come from
Every one of the two percentiles behind Loami's 28,763-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Loami's dominant minimal exposure actually means, with real examples from across the dataset.