San Jose, IL
How exposed is San Jose to wildfire?
San Jose's 390 buildings earn a 0th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, San Jose's burn probability — fire likelihood with no building count factored in — sits at the 0th percentile nationally.
San Jose's building exposure, zone by zone
Only 4.4% of San Jose's 390 buildings carry Direct exposure and 0% carry Indirect; the remaining 95.6% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How San Jose compares
San Jose's risk sits at a similar level relative to Illinois (4th percentile statewide) as it does nationally (0th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, San Jose ranks 31,427 for wildfire risk (1 is highest) and 19,406 by building count (1 is largest). Within Illinois alone, it ranks 1,401 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
San Jose and the insurance market
San Jose's low wildfire rating (0th 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 95.6% of buildings rated Minimal exposure, San Jose gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where San Jose's figures come from
The methodology guide shows exactly how USFS turned 390 counted buildings into the percentiles shown above for San Jose. The exposure-zones guide covers what San Jose's dominant minimal exposure actually means, with real examples from across the dataset.