Loraine, IL
Loraine, IL's wildfire risk, in USFS's own numbers
Loraine sits at the 26th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 277 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Loraine at the 27th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Only 10.1% of Loraine's 277 buildings carry Direct exposure and 0% carry Indirect; the remaining 89.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Loraine compares
Loraine's 74th-percentile standing inside Illinois outpaces its 26th 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, Loraine ranks 23,187 for wildfire risk (1 is highest) and 22,289 by building count (1 is largest). Within Illinois alone, it ranks 375 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
At the 26th national percentile, Loraine rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 89.9% of Loraine 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 Loraine's figures come from
The methodology guide shows exactly how USFS turned 277 counted buildings into the percentiles shown above for Loraine. The exposure-zones guide covers what Loraine's dominant minimal exposure actually means, with real examples from across the dataset.