Tamms, IL
Tamms, IL's wildfire risk, in USFS's own numbers
USFS scores Tamms at the 30th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 426 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Tamms's burn probability — fire likelihood with no building count factored in — sits at the 31st percentile nationally.
Tamms's building exposure, zone by zone
426 buildings are counted in Tamms, and 65.5% of them are Indirect exposure — ember-driven risk rather than the 34.5% in Direct exposure or the 0% rated Minimal.
Where Tamms ranks
Tamms's 80th-percentile standing inside Illinois outpaces its 30th 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, Tamms ranks 22,053 for wildfire risk (1 is highest) and 18,728 by building count (1 is largest). Within Illinois alone, it ranks 293 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
Tamms's moderate rating (30th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Tamms
With ember exposure the dominant pattern in Tamms (65.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Tamms's figures come from
Tamms's 30th-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 Tamms's dominant indirect exposure actually means, with real examples from across the dataset.