Steger, IL
Steger, IL's wildfire risk, in USFS's own numbers
Steger's 4,714 buildings earn a 51st-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Steger's burn probability — fire likelihood with no building count factored in — sits at the 54th percentile nationally.
Steger's building exposure, zone by zone
Steger rates 95.1% Minimal exposure against just 4.9% Direct and 0% Indirect — of 4,714 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Steger against the rest of the country
Steger's 99th-percentile standing inside Illinois outpaces its 51st national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Steger ranks 15,440 for wildfire risk (1 is highest) and 3,618 by building count (1 is largest). Within Illinois alone, it ranks 21 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
Steger's elevated wildfire rating (51st 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.
Lowering exposure, not just insuring around it
With 95.1% of buildings rated Minimal exposure, Steger gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Steger's 15,440-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Steger, see the exposure-zones guide.