St. Johns, IL
St. Johns, IL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts St. Johns at the 36th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 173 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Johns at the 37th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
St. Johns's building exposure, zone by zone
USFS puts 67.6% of St. Johns's 173 buildings in the Indirect exposure zone, versus 32.4% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where St. Johns ranks
Within Illinois, St. Johns ranks higher (88th percentile) than it does nationally (36th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, St. Johns ranks 20,224 for wildfire risk (1 is highest) and 25,890 by building count (1 is largest). Within Illinois alone, it ranks 176 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
St. Johns's moderate wildfire rating (36th 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 St. Johns
St. Johns's 67.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where St. Johns's figures come from
St. Johns's 36th-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 St. Johns's dominant indirect exposure actually means, with real examples from across the dataset.