Ophiem, IL
Ophiem wildfire risk explained
USFS's Wildfire Risk to Communities model puts Ophiem at the 5th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 112 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ophiem's burn probability — fire likelihood with no building count factored in — sits at the 5th percentile nationally.
Ophiem's building exposure, zone by zone
50.9% of Ophiem's 112 buildings sit in USFS's Direct exposure zone, roughly 57 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 49.1% are Minimal.
Ophiem against the rest of the country
Ophiem's 29th-percentile standing inside Illinois outpaces its 5th 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, Ophiem ranks 29,937 for wildfire risk (1 is highest) and 28,536 by building count (1 is largest). Within Illinois alone, it ranks 1,030 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Ophiem
At the 5th national percentile, Ophiem 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
With 50.9% of Ophiem in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Ophiem's figures come from
The methodology guide shows exactly how USFS turned 112 counted buildings into the percentiles shown above for Ophiem. The exposure-zones guide covers what Ophiem's dominant direct exposure actually means, with real examples from across the dataset.