Wayne, IL
Wayne wildfire risk explained
Out of every US place USFS scores, Wayne lands at the 41st percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 1,315 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Wayne at the 40th percentile, close to its 41st-percentile risk score.
Where Wayne's buildings actually sit
USFS classifies 68% of Wayne's buildings as Direct exposure, higher than its 0% Indirect share and far above its 32% Minimal share — a profile where 894 structures sit close enough to vegetation that lot clearing matters most.
Where Wayne ranks
Compare Wayne's two percentiles: 94th within Illinois, only 41st nationally — a gap of 52 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Wayne ranks 18,491 for wildfire risk (1 is highest) and 9,990 by building count (1 is largest). Within Illinois alone, it ranks 93 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Wayne and the insurance market
Wayne's elevated wildfire rating (41st 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
Wayne's 68% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Wayne's figures come from
Wayne's 41st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Wayne's dominant direct exposure actually means, with real examples from across the dataset.