Mackinaw, IL
Mackinaw, IL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Mackinaw lands at the 9th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 1,004 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mackinaw at the 9th percentile, close to its 9th-percentile risk score.
Mackinaw's building exposure, zone by zone
Most of Mackinaw's buildings (90.5% of 1,004) 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.
Mackinaw against the rest of the country
Compare Mackinaw's two percentiles: 41st within Illinois, only 9th nationally — a gap of 32 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Mackinaw ranks 28,577 for wildfire risk (1 is highest) and 11,902 by building count (1 is largest). Within Illinois alone, it ranks 849 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
Mackinaw's low wildfire rating (9th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Mackinaw
Mackinaw's 90.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Mackinaw's figures come from
Mackinaw's 9th-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 Mackinaw's dominant minimal exposure actually means, with real examples from across the dataset.