St. Libory, IL
St. Libory wildfire risk explained
USFS's Wildfire Risk to Communities model puts St. Libory at the 3rd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 459 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts St. Libory at the 3rd percentile, close to its 3rd-percentile risk score.
What "at risk" means for the buildings here
St. Libory rates 83% Minimal exposure against just 17% Direct and 0% Indirect — of 459 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How St. Libory compares
Within Illinois, St. Libory ranks higher (18th percentile) than it does nationally (3rd) — 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. Libory ranks 30,628 for wildfire risk (1 is highest) and 18,076 by building count (1 is largest). Within Illinois alone, it ranks 1,179 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. Libory's low wildfire rating (3rd 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. Libory
St. Libory's 83% 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.
More on how this number was built
Every one of the two percentiles behind St. Libory's 30,628-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond St. Libory, see the exposure-zones guide.