Loda, IL
Loda, IL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Loda lands at the 6th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 399 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Loda's burn probability — fire likelihood with no building count factored in — sits at the 6th percentile nationally.
Where Loda's buildings actually sit
Only 12% of Loda's 399 buildings carry Direct exposure and 0% carry Indirect; the remaining 88% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Loda ranks
Within Illinois, Loda ranks higher (32nd percentile) than it does nationally (6th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Loda ranks 29,647 for wildfire risk (1 is highest) and 19,225 by building count (1 is largest). Within Illinois alone, it ranks 988 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Loda and the insurance market
Loda's low rating (6th 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
Even with 88% of Loda 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 399 counted buildings into the percentiles shown above for Loda. For more on what minimal exposure implies beyond Loda, see the exposure-zones guide.