Magnolia, IL
Magnolia wildfire risk explained
Out of every US place USFS scores, Magnolia lands at the 13th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 188 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 Magnolia at the 13th percentile, close to its 13th-percentile risk score.
What "at risk" means for the buildings here
69.7% of Magnolia's 188 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 22.9% Direct and 7.5% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Magnolia ranks
Within Illinois, Magnolia ranks higher (49th percentile) than it does nationally (13th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Magnolia ranks 27,379 for wildfire risk (1 is highest) and 25,312 by building count (1 is largest). Within Illinois alone, it ranks 736 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Magnolia and the insurance market
Magnolia's low wildfire rating (13th 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.
Lowering exposure, not just insuring around it
Magnolia's 69.7% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Magnolia's 13th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Magnolia, see the exposure-zones guide.