Naples, IL
Naples wildfire risk explained
USFS's Wildfire Risk to Communities model puts Naples at the 13th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 131 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Naples at the 12th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Naples's building exposure, zone by zone
Most of Naples's buildings (95.4% of 131) 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.
Where Naples ranks
Naples's 48th-percentile standing inside Illinois outpaces its 13th 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, Naples ranks 27,506 for wildfire risk (1 is highest) and 27,660 by building count (1 is largest). Within Illinois alone, it ranks 752 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Naples
Naples's low wildfire rating (13th 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 95.4% of Naples 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.
Where Naples's figures come from
Naples's 13th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Naples's dominant minimal exposure actually means, with real examples from across the dataset.