Stanford, IL
How exposed is Stanford to wildfire?
USFS's Wildfire Risk to Communities model puts Stanford at the 1st national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 417 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 Stanford at the 1st percentile, close to its 1st-percentile risk score.
Stanford's building exposure, zone by zone
Most of Stanford's buildings (95.7% of 417) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Stanford compares
Stanford scores 1st nationally and 8th within Illinois — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Stanford ranks 31,232 for wildfire risk (1 is highest) and 18,877 by building count (1 is largest). Within Illinois alone, it ranks 1,324 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Stanford and the insurance market
Stanford'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
Even with 95.7% of Stanford 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 Stanford's figures come from
Stanford'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 Stanford's dominant minimal exposure actually means, with real examples from across the dataset.