Morton, IL
Morton, IL's wildfire risk, in USFS's own numbers
USFS scores Morton at the 8th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 7,960 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Morton's burn probability — fire likelihood with no building count factored in — sits at the 8th percentile nationally.
Where Morton's buildings actually sit
USFS classifies 75.8% of Morton's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 6.3% Direct and 17.8% Indirect — a landscape-level risk rather than a building-by-building one. At 7,960 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Morton against the rest of the country
Morton's 37th-percentile standing inside Illinois outpaces its 8th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Morton ranks 29,020 for wildfire risk (1 is highest) and 2,127 by building count (1 is largest). Within Illinois alone, it ranks 905 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Morton
Morton's low wildfire rating (8th 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
Even with 75.8% of Morton 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
Every one of the two percentiles behind Morton's 29,020-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Morton, see the exposure-zones guide.