Rock Island, IL
Rock Island, IL's wildfire risk, in USFS's own numbers
USFS scores Rock Island at the 45th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 17,785 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Rock Island at the 47th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Rock Island's building exposure, zone by zone
Rock Island rates 93.8% Minimal exposure against just 4.6% Direct and 1.6% Indirect — of 17,785 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 17,785 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Rock Island ranks
Rock Island's 96th-percentile standing inside Illinois outpaces its 45th 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, Rock Island ranks 17,328 for wildfire risk (1 is highest) and 805 by building count (1 is largest). Within Illinois alone, it ranks 56 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
Rock Island's elevated rating (45th 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 93.8% of Rock Island 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
Rock Island's 45th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Rock Island, see the exposure-zones guide.