Smithfield, IL
Smithfield, IL's wildfire risk, in USFS's own numbers
USFS scores Smithfield at the 14th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 185 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Smithfield at the 14th percentile, close to its 14th-percentile risk score.
What "at risk" means for the buildings here
82.7% of Smithfield's 185 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 17.3% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Smithfield ranks
Compare Smithfield's two percentiles: 51st within Illinois, only 14th nationally — a gap of 37 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Smithfield ranks 27,222 for wildfire risk (1 is highest) and 25,412 by building count (1 is largest). Within Illinois alone, it ranks 716 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
Smithfield's low wildfire rating (14th 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 ember exposure the dominant pattern in Smithfield (82.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Smithfield's figures come from
Smithfield's 14th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Smithfield's dominant indirect exposure actually means, with real examples from across the dataset.