Urbana, IL
Urbana wildfire risk explained
USFS's Wildfire Risk to Communities model puts Urbana at the 4th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 11,079 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Urbana at the 4th percentile, close to its 4th-percentile risk score.
Where Urbana's buildings actually sit
Most of Urbana's buildings (98.9% of 11,079) 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. At 11,079 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Urbana compares
Within Illinois, Urbana ranks higher (23rd percentile) than it does nationally (4th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Urbana ranks 30,374 for wildfire risk (1 is highest) and 1,434 by building count (1 is largest). Within Illinois alone, it ranks 1,119 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Urbana
Urbana's low wildfire rating (4th 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 98.9% of buildings rated Minimal exposure, Urbana gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Urbana's figures come from
Every one of the two percentiles behind Urbana's 30,374-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Urbana's dominant minimal exposure actually means, with real examples from across the dataset.