Ramsey, IL
How exposed is Ramsey to wildfire?
Ramsey sits at the 36th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 606 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 Ramsey at the 38th percentile, close to its 36th-percentile risk score.
Where Ramsey's buildings actually sit
Indirect exposure is dominant in Ramsey (77.2% of 606 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 22.8% sit in the Direct zone.
How Ramsey compares
Compare Ramsey's two percentiles: 88th within Illinois, only 36th nationally — a gap of 52 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Ramsey ranks 20,131 for wildfire risk (1 is highest) and 15,747 by building count (1 is largest). Within Illinois alone, it ranks 171 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
Ramsey's moderate rating (36th 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
Ramsey's 77.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Ramsey's figures come from
Ramsey's 36th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Ramsey's dominant indirect exposure actually means, with real examples from across the dataset.