Winnetka, IL
How exposed is Winnetka to wildfire?
Winnetka's 4,895 buildings earn a 26th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Winnetka at the 29th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Winnetka's buildings actually sit
Only 5.3% of Winnetka's 4,895 buildings carry Direct exposure and 0% carry Indirect; the remaining 94.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Winnetka compares
Compare Winnetka's two percentiles: 73rd within Illinois, only 26th nationally — a gap of 47 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Winnetka ranks 23,411 for wildfire risk (1 is highest) and 3,496 by building count (1 is largest). Within Illinois alone, it ranks 401 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
What this risk score means for insurance
Winnetka's moderate rating (26th 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 Winnetka
With 94.7% of buildings rated Minimal exposure, Winnetka gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Winnetka's 23,411-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Winnetka, see the exposure-zones guide.