Pistakee Highlands, IL
Pistakee Highlands wildfire risk explained
USFS's Wildfire Risk to Communities model puts Pistakee Highlands at the 26th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,760 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 Pistakee Highlands at the 28th percentile, close to its 26th-percentile risk score.
Where Pistakee Highlands's buildings actually sit
Most of Pistakee Highlands's buildings (79.8% of 1,760) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Pistakee Highlands ranks
Compare Pistakee Highlands's two percentiles: 73rd within Illinois, only 26th nationally — a gap of 47 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Pistakee Highlands ranks 23,315 for wildfire risk (1 is highest) and 8,192 by building count (1 is largest). Within Illinois alone, it ranks 388 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
Pistakee Highlands's moderate rating (26th 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 Pistakee Highlands
Pistakee Highlands's 79.8% 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 Pistakee Highlands's figures come from
Every one of the two percentiles behind Pistakee Highlands's 23,315-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Pistakee Highlands's dominant minimal exposure actually means, with real examples from across the dataset.