Macon, IL
How exposed is Macon to wildfire?
USFS's Wildfire Risk to Communities model puts Macon at the 2nd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 821 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Macon's burn probability — fire likelihood with no building count factored in — sits at the 2nd percentile nationally.
Macon's building exposure, zone by zone
Most of Macon's buildings (94.8% of 821) 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.
Where Macon ranks
Macon scores 2nd nationally and 14th within Illinois — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Macon ranks 30,976 for wildfire risk (1 is highest) and 13,437 by building count (1 is largest). Within Illinois alone, it ranks 1,251 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
Macon's low wildfire rating (2nd 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.
What would actually reduce this score
With 94.8% of buildings rated Minimal exposure, Macon gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Macon's figures come from
The methodology guide shows exactly how USFS turned 821 counted buildings into the percentiles shown above for Macon. The exposure-zones guide covers what Macon's dominant minimal exposure actually means, with real examples from across the dataset.