Toulon, IL
Toulon wildfire risk explained
Out of every US place USFS scores, Toulon lands at the 2nd percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 783 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Toulon at the 3rd 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
Most of Toulon's buildings (83.5% of 783) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Toulon ranks
Toulon's risk sits at a similar level relative to Illinois (17th percentile statewide) as it does nationally (2nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Toulon ranks 30,755 for wildfire risk (1 is highest) and 13,785 by building count (1 is largest). Within Illinois alone, it ranks 1,203 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Toulon and the insurance market
Toulon's low rating (2nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 83.5% of Toulon 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
Every one of the two percentiles behind Toulon's 30,755-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Toulon, see the exposure-zones guide.