Summerfield, IL
How exposed is Summerfield to wildfire?
Summerfield 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 266 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Summerfield's burn probability — fire likelihood with no building count factored in — sits at the 1st percentile nationally.
Where Summerfield's buildings actually sit
Only 5.6% of Summerfield's 266 buildings carry Direct exposure and 0% carry Indirect; the remaining 94.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Summerfield against the rest of the country
There's little gap between Summerfield'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, Summerfield ranks 31,354 for wildfire risk (1 is highest) and 22,628 by building count (1 is largest). Within Illinois alone, it ranks 1,366 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Summerfield and the insurance market
Summerfield'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.
Lowering exposure, not just insuring around it
Even with 94.4% of Summerfield 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 266 counted buildings into the percentiles shown above for Summerfield. For more on what minimal exposure implies beyond Summerfield, see the exposure-zones guide.