Toluca, IL
Toluca, IL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Toluca lands at the 1st percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 813 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Toluca at the 1st national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Toluca's building exposure, zone by zone
96.6% of Toluca's 813 buildings sit in USFS's Minimal exposure zone, with only 3.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Toluca ranks
Toluca scores 1st nationally and 6th within Illinois — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Toluca ranks 31,355 for wildfire risk (1 is highest) and 13,520 by building count (1 is largest). Within Illinois alone, it ranks 1,367 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
At the 1st national percentile, Toluca rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 96.6% of Toluca 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
Toluca's 1st-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 Toluca, see the exposure-zones guide.