Troy, IL
How exposed is Troy to wildfire?
Troy sits at the 8th 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 4,501 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 Troy at the 8th percentile, close to its 8th-percentile risk score.
Troy's building exposure, zone by zone
Most of Troy's buildings (85.9% of 4,501) 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.
Troy against the rest of the country
Within Illinois, Troy ranks higher (38th percentile) than it does nationally (8th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Troy ranks 28,957 for wildfire risk (1 is highest) and 3,795 by building count (1 is largest). Within Illinois alone, it ranks 898 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
Troy's low wildfire rating (8th 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.
Hardening a home in Troy
Troy's 85.9% 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
Every one of the two percentiles behind Troy's 28,957-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Troy, see the exposure-zones guide.