Spring Valley, IL
How exposed is Spring Valley to wildfire?
Spring Valley's 3,014 buildings earn a 25th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Spring Valley's burn probability — fire likelihood with no building count factored in — sits at the 25th percentile nationally.
Spring Valley's building exposure, zone by zone
USFS classifies 72.2% of Spring Valley's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 15.1% Direct and 12.7% Indirect — a landscape-level risk rather than a building-by-building one.
Spring Valley against the rest of the country
Spring Valley's 70th-percentile standing inside Illinois outpaces its 25th 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, Spring Valley ranks 23,788 for wildfire risk (1 is highest) and 5,412 by building count (1 is largest). Within Illinois alone, it ranks 429 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 Valley's moderate wildfire rating (25th 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
Spring Valley's 72.2% 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 Spring Valley's figures come from
Spring Valley's 25th-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 Spring Valley's dominant minimal exposure actually means, with real examples from across the dataset.