Morton Grove, IL
Morton Grove wildfire risk explained
Out of every US place USFS scores, Morton Grove lands at the 24th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 10,909 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Morton Grove at the 28th national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Morton Grove's buildings actually sit
99.6% of Morton Grove's 10,909 buildings sit in USFS's Minimal exposure zone, with only 0.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 10,909 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Morton Grove against the rest of the country
Compare Morton Grove's two percentiles: 69th within Illinois, only 24th nationally — a gap of 45 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Morton Grove ranks 24,005 for wildfire risk (1 is highest) and 1,450 by building count (1 is largest). Within Illinois alone, it ranks 452 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
Morton Grove's moderate wildfire rating (24th 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
With 99.6% of buildings rated Minimal exposure, Morton Grove 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
Morton Grove's 24th-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 Morton Grove, see the exposure-zones guide.