Niantic, IL
Niantic wildfire risk explained
Out of every US place USFS scores, Niantic lands at the 1st percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 407 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Niantic's burn probability — fire likelihood with no building count factored in — sits at the 1st percentile nationally.
Niantic's building exposure, zone by zone
USFS classifies 88.2% of Niantic's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 11.8% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Niantic against the rest of the country
Niantic scores 1st nationally and 8th within Illinois — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Niantic ranks 31,291 for wildfire risk (1 is highest) and 19,079 by building count (1 is largest). Within Illinois alone, it ranks 1,339 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Niantic and the insurance market
At the 1st national percentile, Niantic rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Niantic's 88.2% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Niantic's figures come from
Every one of the two percentiles behind Niantic's 31,291-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Niantic's dominant minimal exposure actually means, with real examples from across the dataset.