Toledo, IL
How exposed is Toledo to wildfire?
Toledo's 827 buildings earn a 6th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Toledo's burn probability — fire likelihood with no building count factored in — sits at the 6th percentile nationally.
Toledo's building exposure, zone by zone
76.8% of Toledo's 827 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 19.1% Direct and 4.1% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Toledo ranks
Toledo's 33rd-percentile standing inside Illinois outpaces its 6th 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, Toledo ranks 29,493 for wildfire risk (1 is highest) and 13,373 by building count (1 is largest). Within Illinois alone, it ranks 969 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Toledo
Toledo's low wildfire rating (6th 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.
What would actually reduce this score
Because 76.8% of Toledo's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Toledo's figures come from
The methodology guide shows exactly how USFS turned 827 counted buildings into the percentiles shown above for Toledo. The exposure-zones guide covers what Toledo's dominant indirect exposure actually means, with real examples from across the dataset.