Olney, IL
Olney wildfire risk explained
Out of every US place USFS scores, Olney lands at the 4th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 5,207 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Olney's burn probability — fire likelihood with no building count factored in — sits at the 4th percentile nationally.
Olney's building exposure, zone by zone
Only 13.3% of Olney's 5,207 buildings carry Direct exposure and 0% carry Indirect; the remaining 86.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 5,207 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Olney against the rest of the country
Compare Olney's two percentiles: 25th within Illinois, only 4th nationally — a gap of 21 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Olney ranks 30,124 for wildfire risk (1 is highest) and 3,310 by building count (1 is largest). Within Illinois alone, it ranks 1,079 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
Olney's low wildfire rating (4th 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
Olney's 86.7% 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
Olney's 4th-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 Olney, see the exposure-zones guide.