Tower Lakes, IL
Tower Lakes, IL's wildfire risk, in USFS's own numbers
Tower Lakes sits at the 34th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 451 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 Tower Lakes at the 35th percentile, close to its 34th-percentile risk score.
Where Tower Lakes's buildings actually sit
Only 42.1% of Tower Lakes's 451 buildings carry Direct exposure and 0% carry Indirect; the remaining 57.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Tower Lakes compares
Tower Lakes's 86th-percentile standing inside Illinois outpaces its 34th 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, Tower Lakes ranks 20,696 for wildfire risk (1 is highest) and 18,253 by building count (1 is largest). Within Illinois alone, it ranks 208 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Tower Lakes
Tower Lakes's moderate wildfire rating (34th 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
Even with 57.9% of Tower Lakes 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.
Where Tower Lakes's figures come from
The methodology guide shows exactly how USFS turned 451 counted buildings into the percentiles shown above for Tower Lakes. The exposure-zones guide covers what Tower Lakes's dominant minimal exposure actually means, with real examples from across the dataset.