Towanda, IL
Towanda wildfire risk explained
Towanda's 357 buildings earn a 1st-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Towanda at the 1st percentile, close to its 1st-percentile risk score.
Where Towanda's buildings actually sit
Towanda rates 96.4% Minimal exposure against just 3.6% Direct and 0% Indirect — of 357 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Towanda compares
Towanda scores 1st nationally and 12th 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, Towanda ranks 31,073 for wildfire risk (1 is highest) and 20,125 by building count (1 is largest). Within Illinois alone, it ranks 1,281 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, Towanda 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
With 96.4% of buildings rated Minimal exposure, Towanda gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Towanda'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 Towanda, see the exposure-zones guide.