Oquawka, IL
How exposed is Oquawka to wildfire?
USFS's Wildfire Risk to Communities model puts Oquawka at the 32nd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,030 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oquawka's burn probability — fire likelihood with no building count factored in — sits at the 32nd percentile nationally.
Oquawka's building exposure, zone by zone
Only 4.6% of Oquawka's 1,030 buildings carry Direct exposure and 6.2% carry Indirect; the remaining 89.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Oquawka ranks
Within Illinois, Oquawka ranks higher (82nd percentile) than it does nationally (32nd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Oquawka ranks 21,421 for wildfire risk (1 is highest) and 11,720 by building count (1 is largest). Within Illinois alone, it ranks 254 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
Oquawka's moderate wildfire rating (32nd 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.
Hardening a home in Oquawka
With 89.2% of buildings rated Minimal exposure, Oquawka gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Oquawka's figures come from
The methodology guide shows exactly how USFS turned 1,030 counted buildings into the percentiles shown above for Oquawka. The exposure-zones guide covers what Oquawka's dominant minimal exposure actually means, with real examples from across the dataset.