Oak Grove, IL
Oak Grove, IL's wildfire risk, in USFS's own numbers
Oak Grove's 248 buildings earn a 42nd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oak Grove's burn probability — fire likelihood with no building count factored in — sits at the 44th percentile nationally.
Where Oak Grove's buildings actually sit
Indirect exposure is dominant in Oak Grove (81.1% of 248 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 17.7% sit in the Direct zone.
How Oak Grove compares
Oak Grove's 94th-percentile standing inside Illinois outpaces its 42nd 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, Oak Grove ranks 18,145 for wildfire risk (1 is highest) and 23,197 by building count (1 is largest). Within Illinois alone, it ranks 82 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
What this risk score means for insurance
Oak Grove's elevated wildfire rating (42nd 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.
What would actually reduce this score
Because 81.1% of Oak Grove's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Oak Grove's figures come from
Oak Grove's 42nd-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 Oak Grove's dominant indirect exposure actually means, with real examples from across the dataset.