Willow Hill, IL
How exposed is Willow Hill to wildfire?
Willow Hill sits at the 1st 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 203 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Willow Hill at the 1st percentile, close to its 1st-percentile risk score.
What "at risk" means for the buildings here
Only 27.1% of Willow Hill's 203 buildings carry Direct exposure and 0% carry Indirect; the remaining 72.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Willow Hill compares
Willow Hill scores 1st nationally and 12th within Illinois — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Willow Hill ranks 31,075 for wildfire risk (1 is highest) and 24,725 by building count (1 is largest). Within Illinois alone, it ranks 1,283 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Willow Hill and the insurance market
Willow Hill's low wildfire rating (1st 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
With 72.9% of buildings rated Minimal exposure, Willow Hill gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Willow Hill's figures come from
Every one of the two percentiles behind Willow Hill's 31,075-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Willow Hill's dominant minimal exposure actually means, with real examples from across the dataset.