Nekoma, IL
How exposed is Nekoma to wildfire?
USFS scores Nekoma at the 1st national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 33 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Nekoma at the 1st national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Nekoma's buildings actually sit
Most of Nekoma's buildings (60.6% of 33) 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 Nekoma ranks
Nekoma's risk sits at a similar level relative to Illinois (10th percentile statewide) as it does nationally (1st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Nekoma ranks 31,132 for wildfire risk (1 is highest) and 31,310 by building count (1 is largest). Within Illinois alone, it ranks 1,296 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Nekoma
At the 1st national percentile, Nekoma rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 60.6% of Nekoma 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
Nekoma's 1st-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 Nekoma, see the exposure-zones guide.