St. Rose, IL
St. Rose, IL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts St. Rose at the 1st national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 250 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Rose at the 1st national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
St. Rose's building exposure, zone by zone
92% of St. Rose's 250 buildings sit in USFS's Minimal exposure zone, with only 8% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
St. Rose against the rest of the country
St. Rose's risk sits at a similar level relative to Illinois (9th 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. Rose ranks 31,199 for wildfire risk (1 is highest) and 23,137 by building count (1 is largest). Within Illinois alone, it ranks 1,313 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. Rose's low rating (1st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
St. Rose's 92% 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 St. Rose's figures come from
St. Rose's 1st-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. Rose's dominant minimal exposure actually means, with real examples from across the dataset.