Tovey, IL
Tovey, IL's wildfire risk, in USFS's own numbers
Tovey sits at the 3rd percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 346 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Tovey at the 3rd percentile, close to its 3rd-percentile risk score.
What "at risk" means for the buildings here
Most of Tovey's buildings (93.1% of 346) 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.
Tovey against the rest of the country
Tovey's 21st-percentile standing inside Illinois outpaces its 3rd 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, Tovey ranks 30,506 for wildfire risk (1 is highest) and 20,422 by building count (1 is largest). Within Illinois alone, it ranks 1,147 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Tovey and the insurance market
Tovey's low wildfire rating (3rd 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
With 93.1% of buildings rated Minimal exposure, Tovey gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Tovey's figures come from
Every one of the two percentiles behind Tovey's 30,506-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Tovey's dominant minimal exposure actually means, with real examples from across the dataset.