South Beloit, IL
South Beloit, IL's wildfire risk, in USFS's own numbers
South Beloit sits at the 21st percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 3,856 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 South Beloit at the 23rd percentile, close to its 21st-percentile risk score.
South Beloit's building exposure, zone by zone
Only 10.7% of South Beloit's 3,856 buildings carry Direct exposure and 0% carry Indirect; the remaining 89.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where South Beloit ranks
Compare South Beloit's two percentiles: 64th within Illinois, only 21st nationally — a gap of 43 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, South Beloit ranks 24,796 for wildfire risk (1 is highest) and 4,378 by building count (1 is largest). Within Illinois alone, it ranks 517 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
South Beloit and the insurance market
South Beloit's moderate wildfire rating (21st 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 South Beloit
South Beloit's 89.3% 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.
Where South Beloit's figures come from
The methodology guide shows exactly how USFS turned 3,856 counted buildings into the percentiles shown above for South Beloit. The exposure-zones guide covers what South Beloit's dominant minimal exposure actually means, with real examples from across the dataset.