Spring Bay, IL
Spring Bay, IL's wildfire risk, in USFS's own numbers
USFS scores Spring Bay at the 18th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 335 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Spring Bay's burn probability — fire likelihood with no building count factored in — sits at the 18th percentile nationally.
Spring Bay's building exposure, zone by zone
335 buildings are counted in Spring Bay, and 92.5% of them are Indirect exposure — ember-driven risk rather than the 6.3% in Direct exposure or the 1.2% rated Minimal.
Where Spring Bay ranks
Compare Spring Bay's two percentiles: 57th within Illinois, only 18th nationally — a gap of 40 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Spring Bay ranks 25,995 for wildfire risk (1 is highest) and 20,694 by building count (1 is largest). Within Illinois alone, it ranks 619 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
Spring Bay's low wildfire rating (18th 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.
What would actually reduce this score
With ember exposure the dominant pattern in Spring Bay (92.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Spring Bay's 25,995-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Spring Bay, see the exposure-zones guide.