Nilwood, IL
Nilwood, IL's wildfire risk, in USFS's own numbers
USFS scores Nilwood at the 1st national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 171 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Nilwood at the 1st percentile, close to its 1st-percentile risk score.
Nilwood's building exposure, zone by zone
Most of Nilwood's buildings (91.8% of 171) 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 Nilwood compares
Nilwood's risk sits at a similar level relative to Illinois (8th 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, Nilwood ranks 31,260 for wildfire risk (1 is highest) and 25,979 by building count (1 is largest). Within Illinois alone, it ranks 1,331 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Nilwood
Nilwood's low rating (1st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 91.8% of Nilwood 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
Nilwood'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 Nilwood, see the exposure-zones guide.