Milford, IL
How exposed is Milford to wildfire?
USFS's Wildfire Risk to Communities model puts Milford at the 8th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 913 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Milford at the 8th percentile, close to its 8th-percentile risk score.
Where Milford's buildings actually sit
94.7% of Milford's 913 buildings sit in USFS's Minimal exposure zone, with only 5.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Milford compares
Compare Milford's two percentiles: 39th 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, Milford ranks 28,893 for wildfire risk (1 is highest) and 12,611 by building count (1 is largest). Within Illinois alone, it ranks 888 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Milford and the insurance market
At the 8th national percentile, Milford rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Milford's 94.7% 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 Milford's figures come from
Every one of the two percentiles behind Milford's 28,893-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Milford's dominant minimal exposure actually means, with real examples from across the dataset.