Percy, IL
Percy wildfire risk explained
Percy sits at the 30th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 640 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Percy's burn probability — fire likelihood with no building count factored in — sits at the 30th percentile nationally.
Where Percy's buildings actually sit
Indirect exposure is dominant in Percy (89.1% of 640 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 10.9% sit in the Direct zone.
Percy against the rest of the country
Percy's 79th-percentile standing inside Illinois outpaces its 30th 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, Percy ranks 22,213 for wildfire risk (1 is highest) and 15,323 by building count (1 is largest). Within Illinois alone, it ranks 309 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
Percy's moderate wildfire rating (30th 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
Percy's 89.1% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Percy's figures come from
Every one of the two percentiles behind Percy's 22,213-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Percy's dominant indirect exposure actually means, with real examples from across the dataset.