Onarga, IL
How exposed is Onarga to wildfire?
Onarga's 833 buildings earn a 5th-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 Onarga at the 5th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Onarga's building exposure, zone by zone
Onarga rates 87.4% Minimal exposure against just 12.6% Direct and 0% Indirect — of 833 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Onarga ranks
Compare Onarga's two percentiles: 27th within Illinois, only 5th nationally — a gap of 23 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Onarga ranks 30,033 for wildfire risk (1 is highest) and 13,314 by building count (1 is largest). Within Illinois alone, it ranks 1,057 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 5th national percentile, Onarga 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
Onarga's 87.4% 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
The methodology guide shows exactly how USFS turned 833 counted buildings into the percentiles shown above for Onarga. For more on what minimal exposure implies beyond Onarga, see the exposure-zones guide.