Oakwood, IL
Oakwood wildfire risk explained
USFS's Wildfire Risk to Communities model puts Oakwood at the 11th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 925 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oakwood's burn probability — fire likelihood with no building count factored in — sits at the 11th percentile nationally.
Where Oakwood's buildings actually sit
USFS classifies 90% of Oakwood's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 10.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Oakwood compares
Within Illinois, Oakwood ranks higher (45th percentile) than it does nationally (11th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Oakwood ranks 28,102 for wildfire risk (1 is highest) and 12,511 by building count (1 is largest). Within Illinois alone, it ranks 799 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Oakwood and the insurance market
Oakwood's low wildfire rating (11th 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
Oakwood's 90% 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.
More on how this number was built
Oakwood's 11th-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 Oakwood, see the exposure-zones guide.