Tonica, IL
How exposed is Tonica to wildfire?
Out of every US place USFS scores, Tonica lands at the 6th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 549 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Tonica at the 7th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Tonica rates 91.3% Minimal exposure against just 8.7% Direct and 0% Indirect — of 549 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Tonica compares
Within Illinois, Tonica ranks higher (33rd percentile) than it does nationally (6th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Tonica ranks 29,494 for wildfire risk (1 is highest) and 16,580 by building count (1 is largest). Within Illinois alone, it ranks 970 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
Tonica'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
Tonica's 91.3% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 549 counted buildings into the percentiles shown above for Tonica. For more on what minimal exposure implies beyond Tonica, see the exposure-zones guide.