Waverly, IL
Waverly wildfire risk explained
Waverly's 903 buildings earn a 3rd-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Waverly at the 3rd percentile, close to its 3rd-percentile risk score.
Waverly's building exposure, zone by zone
Waverly rates 96.8% Minimal exposure against just 3.2% Direct and 0% Indirect — of 903 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Waverly against the rest of the country
Compare Waverly's two percentiles: 19th within Illinois, only 3rd nationally — a gap of 16 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Waverly ranks 30,601 for wildfire risk (1 is highest) and 12,696 by building count (1 is largest). Within Illinois alone, it ranks 1,172 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Waverly
Waverly's low rating (3rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 96.8% of Waverly 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
Every one of the two percentiles behind Waverly's 30,601-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Waverly, see the exposure-zones guide.