Ludlow, IL
How exposed is Ludlow to wildfire?
USFS scores Ludlow at the 0th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 273 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ludlow at the 0th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Ludlow's buildings actually sit
Ludlow rates 89.7% Minimal exposure against just 10.3% Direct and 0% Indirect — of 273 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Ludlow against the rest of the country
Ludlow's risk sits at a similar level relative to Illinois (5th percentile statewide) as it does nationally (0th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Ludlow ranks 31,390 for wildfire risk (1 is highest) and 22,415 by building count (1 is largest). Within Illinois alone, it ranks 1,381 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
Ludlow's low rating (0th 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 Ludlow
With 89.7% of buildings rated Minimal exposure, Ludlow gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Ludlow's figures come from
Ludlow's 0th-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 Ludlow's dominant minimal exposure actually means, with real examples from across the dataset.