Odin, IL
How exposed is Odin to wildfire?
USFS scores Odin at the 6th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 647 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 Odin at the 6th percentile, close to its 6th-percentile risk score.
Where Odin's buildings actually sit
USFS classifies 81.8% of Odin's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 18.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Odin ranks
Compare Odin's two percentiles: 32nd within Illinois, only 6th nationally — a gap of 26 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Odin ranks 29,555 for wildfire risk (1 is highest) and 15,228 by building count (1 is largest). Within Illinois alone, it ranks 978 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
Odin's low wildfire rating (6th 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.
Hardening a home in Odin
Even with 81.8% of Odin 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.
Where Odin's figures come from
Odin's 6th-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 Odin's dominant minimal exposure actually means, with real examples from across the dataset.