Lovington, IL
How exposed is Lovington to wildfire?
USFS scores Lovington at the 4th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 716 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lovington at the 4th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Lovington's building exposure, zone by zone
Most of Lovington's buildings (96.8% of 716) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Lovington against the rest of the country
Within Illinois, Lovington ranks higher (26th percentile) than it does nationally (4th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Lovington ranks 30,123 for wildfire risk (1 is highest) and 14,505 by building count (1 is largest). Within Illinois alone, it ranks 1,078 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
Lovington's low rating (4th 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
With 96.8% of buildings rated Minimal exposure, Lovington gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Lovington's figures come from
The methodology guide shows exactly how USFS turned 716 counted buildings into the percentiles shown above for Lovington. The exposure-zones guide covers what Lovington's dominant minimal exposure actually means, with real examples from across the dataset.