Naplate, IL
Naplate, IL's wildfire risk, in USFS's own numbers
USFS scores Naplate at the 38th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 312 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Naplate's burn probability — fire likelihood with no building count factored in — sits at the 38th percentile nationally.
Naplate's building exposure, zone by zone
Most of Naplate's buildings (99.4% of 312) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Naplate compares
Within Illinois, Naplate ranks higher (90th percentile) than it does nationally (38th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Naplate ranks 19,593 for wildfire risk (1 is highest) and 21,313 by building count (1 is largest). Within Illinois alone, it ranks 144 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Naplate and the insurance market
Naplate'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.
Lowering exposure, not just insuring around it
With 99.4% of buildings rated Minimal exposure, Naplate 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
The methodology guide shows exactly how USFS turned 312 counted buildings into the percentiles shown above for Naplate. For more on what minimal exposure implies beyond Naplate, see the exposure-zones guide.