Varna, IL
Varna, IL's wildfire risk, in USFS's own numbers
Varna sits at the 2nd 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 319 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Varna at the 2nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Varna's building exposure, zone by zone
96.2% of Varna's 319 buildings sit in USFS's Minimal exposure zone, with only 3.8% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Varna against the rest of the country
There's little gap between Varna's 2nd national percentile and its 12th percentile inside Illinois, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Varna ranks 31,036 for wildfire risk (1 is highest) and 21,114 by building count (1 is largest). Within Illinois alone, it ranks 1,270 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
Varna's low wildfire rating (2nd 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
Varna's 96.2% 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.
Where Varna's figures come from
The methodology guide shows exactly how USFS turned 319 counted buildings into the percentiles shown above for Varna. The exposure-zones guide covers what Varna's dominant minimal exposure actually means, with real examples from across the dataset.