Stewardson, IL
Stewardson wildfire risk explained
Stewardson 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 541 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Stewardson at the 1st national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Stewardson's buildings actually sit
USFS classifies 86.7% of Stewardson's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 13.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Stewardson ranks
There's little gap between Stewardson's 1st national percentile and its 6th percentile inside Illinois, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Stewardson ranks 31,353 for wildfire risk (1 is highest) and 16,697 by building count (1 is largest). Within Illinois alone, it ranks 1,365 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
Stewardson'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 Stewardson
With 86.7% of buildings rated Minimal exposure, Stewardson 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 Stewardson's 31,353-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Stewardson, see the exposure-zones guide.