Oakbrook Terrace, IL
How exposed is Oakbrook Terrace to wildfire?
USFS's Wildfire Risk to Communities model puts Oakbrook Terrace at the 20th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 972 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Oakbrook Terrace at the 25th percentile, close to its 20th-percentile risk score.
What "at risk" means for the buildings here
Oakbrook Terrace rates 96.3% Minimal exposure against just 3.7% Direct and 0% Indirect — of 972 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Oakbrook Terrace ranks
Compare Oakbrook Terrace's two percentiles: 63rd within Illinois, only 20th nationally — a gap of 42 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Oakbrook Terrace ranks 25,078 for wildfire risk (1 is highest) and 12,130 by building count (1 is largest). Within Illinois alone, it ranks 544 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
Oakbrook Terrace's moderate wildfire rating (20th 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
With 96.3% of buildings rated Minimal exposure, Oakbrook Terrace gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Oakbrook Terrace's 20th-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 Oakbrook Terrace, see the exposure-zones guide.