Union, IL
Union wildfire risk explained
Out of every US place USFS scores, Union lands at the 18th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 374 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Union at the 18th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Union's buildings actually sit
Most of Union's buildings (93.1% of 374) 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.
Union against the rest of the country
Within Illinois, Union ranks higher (58th percentile) than it does nationally (18th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Union ranks 25,899 for wildfire risk (1 is highest) and 19,778 by building count (1 is largest). Within Illinois alone, it ranks 605 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
Union's low wildfire rating (18th 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.
Lowering exposure, not just insuring around it
With 93.1% of buildings rated Minimal exposure, Union 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
Every one of the two percentiles behind Union's 25,899-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Union, see the exposure-zones guide.