Phillipstown, IL
Phillipstown, IL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Phillipstown at the 9th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 51 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Phillipstown at the 9th percentile, close to its 9th-percentile risk score.
Phillipstown's building exposure, zone by zone
Of Phillipstown's 51 counted buildings, 94.1% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Phillipstown compares
Phillipstown's 41st-percentile standing inside Illinois outpaces its 9th 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, Phillipstown ranks 28,640 for wildfire risk (1 is highest) and 30,898 by building count (1 is largest). Within Illinois alone, it ranks 858 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Phillipstown and the insurance market
Phillipstown's low rating (9th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 94.1% of Phillipstown 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 Phillipstown's figures come from
The methodology guide shows exactly how USFS turned 51 counted buildings into the percentiles shown above for Phillipstown. The exposure-zones guide covers what Phillipstown's dominant direct exposure actually means, with real examples from across the dataset.