Ruma, IL
Ruma, IL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Ruma at the 17th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 210 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ruma's burn probability — fire likelihood with no building count factored in — sits at the 17th percentile nationally.
Ruma's building exposure, zone by zone
USFS classifies 79.1% of Ruma's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 16.2% Direct and 4.8% Indirect — a landscape-level risk rather than a building-by-building one.
How Ruma compares
Compare Ruma's two percentiles: 56th within Illinois, only 17th nationally — a gap of 39 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Ruma ranks 26,275 for wildfire risk (1 is highest) and 24,471 by building count (1 is largest). Within Illinois alone, it ranks 643 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Ruma and the insurance market
At the 17th national percentile, Ruma rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 79.1% of buildings rated Minimal exposure, Ruma gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Ruma's figures come from
The methodology guide shows exactly how USFS turned 210 counted buildings into the percentiles shown above for Ruma. The exposure-zones guide covers what Ruma's dominant minimal exposure actually means, with real examples from across the dataset.