Milan, IL
How exposed is Milan to wildfire?
USFS's Wildfire Risk to Communities model puts Milan at the 38th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 3,074 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Milan at the 40th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Milan's building exposure, zone by zone
53.2% of Milan's 3,074 buildings sit in USFS's Minimal exposure zone, with only 8.7% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Milan compares
Compare Milan's two percentiles: 90th within Illinois, only 38th nationally — a gap of 52 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Milan ranks 19,531 for wildfire risk (1 is highest) and 5,317 by building count (1 is largest). Within Illinois alone, it ranks 141 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
Milan's moderate wildfire rating (38th 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 53.2% of buildings rated Minimal exposure, Milan gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Milan's 38th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Milan, see the exposure-zones guide.