Savoy, IL
How exposed is Savoy to wildfire?
Savoy sits at the 3rd percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 2,385 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 Savoy at the 3rd percentile, close to its 3rd-percentile risk score.
Savoy's building exposure, zone by zone
Most of Savoy's buildings (95.5% of 2,385) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Savoy compares
Savoy scores 3rd nationally and 17th within Illinois — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Savoy ranks 30,723 for wildfire risk (1 is highest) and 6,541 by building count (1 is largest). Within Illinois alone, it ranks 1,198 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Savoy and the insurance market
Savoy's low wildfire rating (3rd 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.
Hardening a home in Savoy
With 95.5% of buildings rated Minimal exposure, Savoy gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Savoy's figures come from
The methodology guide shows exactly how USFS turned 2,385 counted buildings into the percentiles shown above for Savoy. The exposure-zones guide covers what Savoy's dominant minimal exposure actually means, with real examples from across the dataset.