Oak Run, IL
How exposed is Oak Run to wildfire?
USFS's Wildfire Risk to Communities model puts Oak Run at the 19th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 881 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oak Run's burn probability — fire likelihood with no building count factored in — sits at the 19th percentile nationally.
Oak Run's building exposure, zone by zone
Direct exposure dominates in Oak Run: 85.9% of its 881 buildings, versus 2.6% Indirect and 11.5% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Oak Run against the rest of the country
Compare Oak Run's two percentiles: 60th within Illinois, only 19th nationally — a gap of 41 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Oak Run ranks 25,550 for wildfire risk (1 is highest) and 12,897 by building count (1 is largest). Within Illinois alone, it ranks 581 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 Run's low wildfire rating (19th 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
Oak Run's 85.9% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Oak Run's 25,550-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Oak Run, see the exposure-zones guide.