Winnebago, IL
Winnebago wildfire risk explained
Winnebago sits at the 5th 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 1,483 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Winnebago at the 5th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 89.3% of Winnebago's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 10.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Winnebago ranks
Winnebago's 28th-percentile standing inside Illinois outpaces its 5th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Winnebago ranks 29,940 for wildfire risk (1 is highest) and 9,236 by building count (1 is largest). Within Illinois alone, it ranks 1,033 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Winnebago
Winnebago's low rating (5th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Winnebago
Even with 89.3% of Winnebago 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
Winnebago's 5th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Winnebago, see the exposure-zones guide.