Warsaw, IL
How exposed is Warsaw to wildfire?
USFS's Wildfire Risk to Communities model puts Warsaw at the 39th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,152 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 Warsaw at the 41st percentile, close to its 39th-percentile risk score.
Where Warsaw's buildings actually sit
1,152 buildings are counted in Warsaw, and 55.6% of them are Indirect exposure — ember-driven risk rather than the 44.4% in Direct exposure or the 0% rated Minimal.
Where Warsaw ranks
Compare Warsaw's two percentiles: 92nd within Illinois, only 39th nationally — a gap of 53 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Warsaw ranks 19,155 for wildfire risk (1 is highest) and 10,941 by building count (1 is largest). Within Illinois alone, it ranks 121 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Warsaw
Warsaw's moderate rating (39th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Warsaw's 55.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Warsaw's 39th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Warsaw, see the exposure-zones guide.