Philo, IL
Philo, IL's wildfire risk, in USFS's own numbers
Philo's 808 buildings earn a 0th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Philo at the 0th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Philo's building exposure, zone by zone
USFS classifies 90.7% of Philo's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 9.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Philo compares
Philo scores 0th nationally and 3rd within Illinois — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Philo ranks 31,452 for wildfire risk (1 is highest) and 13,564 by building count (1 is largest). Within Illinois alone, it ranks 1,412 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Philo
Philo's low rating (0th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Philo
Philo's 90.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Philo's figures come from
The methodology guide shows exactly how USFS turned 808 counted buildings into the percentiles shown above for Philo. The exposure-zones guide covers what Philo's dominant minimal exposure actually means, with real examples from across the dataset.