Shorewood, IL
How exposed is Shorewood to wildfire?
Out of every US place USFS scores, Shorewood lands at the 19th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 6,388 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Shorewood at the 19th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
95.2% of Shorewood's 6,388 buildings sit in USFS's Minimal exposure zone, with only 4.8% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 6,388 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Shorewood compares
Shorewood's 59th-percentile standing inside Illinois outpaces its 19th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Shorewood ranks 25,678 for wildfire risk (1 is highest) and 2,710 by building count (1 is largest). Within Illinois alone, it ranks 594 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
Shorewood's low rating (19th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 95.2% of buildings rated Minimal exposure, Shorewood gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Shorewood's figures come from
Every one of the two percentiles behind Shorewood's 25,678-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Shorewood's dominant minimal exposure actually means, with real examples from across the dataset.