Panama, IL
Panama, IL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Panama at the 31st national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 275 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Panama's burn probability — fire likelihood with no building count factored in — sits at the 32nd percentile nationally.
Panama's building exposure, zone by zone
USFS classifies 51.6% of Panama's buildings as Direct exposure, higher than its 48.4% Indirect share and far above its 0% Minimal share — a profile where 142 structures sit close enough to vegetation that lot clearing matters most.
Panama against the rest of the country
Compare Panama's two percentiles: 81st within Illinois, only 31st nationally — a gap of 50 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Panama ranks 21,738 for wildfire risk (1 is highest) and 22,350 by building count (1 is largest). Within Illinois alone, it ranks 276 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Panama
Panama's moderate wildfire rating (31st 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
Because Direct exposure dominates in Panama (51.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Panama's figures come from
Panama's 31st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Panama's dominant direct exposure actually means, with real examples from across the dataset.