Middletown, IL
How exposed is Middletown to wildfire?
Out of every US place USFS scores, Middletown lands at the 8th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 306 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Middletown's burn probability — fire likelihood with no building count factored in — sits at the 8th percentile nationally.
What "at risk" means for the buildings here
Middletown rates 94.4% Minimal exposure against just 5.6% Direct and 0% Indirect — of 306 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Middletown ranks
Compare Middletown's two percentiles: 38th within Illinois, only 8th nationally — a gap of 30 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Middletown ranks 28,892 for wildfire risk (1 is highest) and 21,463 by building count (1 is largest). Within Illinois alone, it ranks 887 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Middletown and the insurance market
Middletown's low rating (8th 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 Middletown
Even with 94.4% of Middletown outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 306 counted buildings into the percentiles shown above for Middletown. For more on what minimal exposure implies beyond Middletown, see the exposure-zones guide.