Okawville, IL
How exposed is Okawville to wildfire?
Okawville's 1,001 buildings earn a 3rd-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Okawville at the 4th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 83.6% of Okawville's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 16.4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Okawville against the rest of the country
Okawville's 21st-percentile standing inside Illinois outpaces its 3rd national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Okawville ranks 30,503 for wildfire risk (1 is highest) and 11,923 by building count (1 is largest). Within Illinois alone, it ranks 1,144 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Okawville and the insurance market
Okawville's low rating (3rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 83.6% of Okawville 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 Okawville's figures come from
The methodology guide shows exactly how USFS turned 1,001 counted buildings into the percentiles shown above for Okawville. The exposure-zones guide covers what Okawville's dominant minimal exposure actually means, with real examples from across the dataset.