Ursa, IL
Ursa, IL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Ursa lands at the 9th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 417 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ursa's burn probability — fire likelihood with no building count factored in — sits at the 8th percentile nationally.
Where Ursa's buildings actually sit
94% of Ursa's 417 buildings sit in USFS's Minimal exposure zone, with only 6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Ursa compares
Within Illinois, Ursa ranks higher (40th percentile) than it does nationally (9th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Ursa ranks 28,800 for wildfire risk (1 is highest) and 18,878 by building count (1 is largest). Within Illinois alone, it ranks 873 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Ursa and the insurance market
Ursa's low wildfire rating (9th 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
Even with 94% of Ursa 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.
More on how this number was built
Ursa's 9th-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 Ursa, see the exposure-zones guide.