Round Lake, IL
Round Lake, IL's wildfire risk, in USFS's own numbers
Round Lake sits at the 30th 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 4,852 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 Round Lake at the 31st percentile, close to its 30th-percentile risk score.
Where Round Lake's buildings actually sit
USFS classifies 90.4% of Round Lake's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 9.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Round Lake compares
Compare Round Lake's two percentiles: 79th within Illinois, only 30th nationally — a gap of 50 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Round Lake ranks 22,150 for wildfire risk (1 is highest) and 3,523 by building count (1 is largest). Within Illinois alone, it ranks 301 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
At the 30th national percentile, Round Lake rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 90.4% of buildings rated Minimal exposure, Round Lake gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Round Lake's figures come from
The methodology guide shows exactly how USFS turned 4,852 counted buildings into the percentiles shown above for Round Lake. The exposure-zones guide covers what Round Lake's dominant minimal exposure actually means, with real examples from across the dataset.