Sun River Terrace, IL
Sun River Terrace, IL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Sun River Terrace at the 5th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 230 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Sun River Terrace's burn probability — fire likelihood with no building count factored in — sits at the 5th percentile nationally.
What "at risk" means for the buildings here
77% of Sun River Terrace's 230 buildings sit in USFS's Minimal exposure zone, with only 23% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Sun River Terrace ranks
Compare Sun River Terrace's two percentiles: 28th within Illinois, only 5th nationally — a gap of 23 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Sun River Terrace ranks 29,967 for wildfire risk (1 is highest) and 23,790 by building count (1 is largest). Within Illinois alone, it ranks 1,039 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Sun River Terrace and the insurance market
Sun River Terrace's low wildfire rating (5th 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 77% of Sun River Terrace 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
Sun River Terrace's 5th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Sun River Terrace, see the exposure-zones guide.