Plum Valley, IL
How exposed is Plum Valley to wildfire?
Plum Valley sits at the 57th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 295 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Plum Valley at the 61st percentile, close to its 57th-percentile risk score.
Where Plum Valley's buildings actually sit
USFS classifies 68.8% of Plum Valley's buildings as Direct exposure, higher than its 0% Indirect share and far above its 31.2% Minimal share — a profile where 203 structures sit close enough to vegetation that lot clearing matters most.
Where Plum Valley ranks
Within Illinois, Plum Valley ranks higher (100th percentile) than it does nationally (57th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Plum Valley ranks 13,419 for wildfire risk (1 is highest) and 21,753 by building count (1 is largest). Within Illinois alone, it ranks 3 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
Plum Valley's elevated wildfire rating (57th 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
With 68.8% of Plum Valley 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 295 counted buildings into the percentiles shown above for Plum Valley. For more on what direct exposure implies beyond Plum Valley, see the exposure-zones guide.