St. Peter, IL
St. Peter, IL's wildfire risk, in USFS's own numbers
St. Peter sits at the 1st percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 265 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 St. Peter at the 1st percentile, close to its 1st-percentile risk score.
St. Peter's building exposure, zone by zone
St. Peter rates 88.3% Minimal exposure against just 11.7% Direct and 0% Indirect — of 265 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where St. Peter ranks
St. Peter's risk sits at a similar level relative to Illinois (6th percentile statewide) as it does nationally (1st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, St. Peter ranks 31,328 for wildfire risk (1 is highest) and 22,663 by building count (1 is largest). Within Illinois alone, it ranks 1,358 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
St. Peter and the insurance market
St. Peter's low wildfire rating (1st 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. Peter
Even with 88.3% of St. Peter outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where St. Peter's figures come from
Every one of the two percentiles behind St. Peter's 31,328-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what St. Peter's dominant minimal exposure actually means, with real examples from across the dataset.