Phoenix, IL
Phoenix wildfire risk explained
Phoenix's 894 buildings earn a 44th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Phoenix at the 47th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Phoenix's buildings actually sit
USFS classifies 99.7% of Phoenix's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 0.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Phoenix ranks
Phoenix's 96th-percentile standing inside Illinois outpaces its 44th 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, Phoenix ranks 17,703 for wildfire risk (1 is highest) and 12,776 by building count (1 is largest). Within Illinois alone, it ranks 64 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Phoenix and the insurance market
Phoenix's elevated rating (44th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 99.7% of Phoenix outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 894 counted buildings into the percentiles shown above for Phoenix. For more on what minimal exposure implies beyond Phoenix, see the exposure-zones guide.