Loves Park, IL
How exposed is Loves Park to wildfire?
Loves Park sits at the 17th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 10,603 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Loves Park's burn probability — fire likelihood with no building count factored in — sits at the 19th percentile nationally.
Loves Park's building exposure, zone by zone
Loves Park rates 67.2% Minimal exposure against just 3.9% Direct and 28.9% Indirect — of 10,603 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 10,603 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Loves Park against the rest of the country
Within Illinois, Loves Park ranks higher (57th percentile) than it does nationally (17th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Loves Park ranks 26,022 for wildfire risk (1 is highest) and 1,507 by building count (1 is largest). Within Illinois alone, it ranks 622 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Loves Park and the insurance market
Loves Park's low rating (17th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Loves Park
Even with 67.2% of Loves Park 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 Loves Park's figures come from
Loves Park's 17th-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 Loves Park's dominant minimal exposure actually means, with real examples from across the dataset.