O'Fallon, IL
O'Fallon, IL's wildfire risk, in USFS's own numbers
O'Fallon sits at the 10th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 12,013 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, O'Fallon's burn probability — fire likelihood with no building count factored in — sits at the 10th percentile nationally.
What "at risk" means for the buildings here
Only 10.1% of O'Fallon's 12,013 buildings carry Direct exposure and 1% carry Indirect; the remaining 88.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 12,013 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where O'Fallon ranks
Within Illinois, O'Fallon ranks higher (43rd percentile) than it does nationally (10th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, O'Fallon ranks 28,388 for wildfire risk (1 is highest) and 1,299 by building count (1 is largest). Within Illinois alone, it ranks 825 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
At the 10th national percentile, O'Fallon rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 88.9% of O'Fallon 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 O'Fallon's figures come from
Every one of the two percentiles behind O'Fallon's 28,388-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what O'Fallon's dominant minimal exposure actually means, with real examples from across the dataset.