Stonefort, IL
How exposed is Stonefort to wildfire?
USFS scores Stonefort at the 45th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 241 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Stonefort's burn probability — fire likelihood with no building count factored in — sits at the 47th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Stonefort (53.9% of 241 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 46.1% sit in the Direct zone.
Stonefort against the rest of the country
Compare Stonefort's two percentiles: 96th within Illinois, only 45th nationally — a gap of 51 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Stonefort ranks 17,449 for wildfire risk (1 is highest) and 23,421 by building count (1 is largest). Within Illinois alone, it ranks 60 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
Stonefort's elevated rating (45th 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
With ember exposure the dominant pattern in Stonefort (53.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Stonefort's figures come from
Stonefort's 45th-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 Stonefort's dominant indirect exposure actually means, with real examples from across the dataset.