Shabbona, IL
How exposed is Shabbona to wildfire?
Out of every US place USFS scores, Shabbona lands at the 7th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 489 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Shabbona at the 7th percentile, close to its 7th-percentile risk score.
Shabbona's building exposure, zone by zone
88.6% of Shabbona's 489 buildings sit in USFS's Minimal exposure zone, with only 11.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Shabbona compares
Compare Shabbona's two percentiles: 34th within Illinois, only 7th nationally — a gap of 28 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Shabbona ranks 29,371 for wildfire risk (1 is highest) and 17,544 by building count (1 is largest). Within Illinois alone, it ranks 955 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
Shabbona's low wildfire rating (7th 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
Shabbona's 88.6% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Shabbona's 29,371-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Shabbona, see the exposure-zones guide.