Safety and other amenities in a narrative of why families choose to move to specific suburbs

When there are scores or hundreds of suburbs in large metropolitan regions, how do people select which suburb to move to? I recently read one common narrative based around a top safety ranking for one Chicago suburb:

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It’s a small village, just over an hour from the heart of Chicago by car, but it has consistently reported some of the lowest crime rates in the region, with a violent crime rating of zero. This small-town security is one of the driving forces behind Campton Hills’ rising popularity with families in recent years. People moving out of Chicago or nearby suburbs are looking for peace of mind in their neighborhood, and this village delivers exactly that…

A place with such a high safety ranking is the perfect spot for families to put down roots. In this regard, Campton Hills is truly designed for families to thrive. Schools in the area have earned a strong reputation for academic achievement, supportive teachers, and a wide range of extracurricular opportunities. The village is also home to some of the highest-rated public schools in the state.

In the village, there is an impressive range of amenities to keep families busy. Community parks provide space for picnics, soccer games, and weekend strolls, while nearby forest preserves give children the chance to explore nature close to home. (Nature lovers should visit this peaceful suburb near Chicago next.) Access to healthcare and family-oriented services is reliable, with clinics and hospitals within easy driving distance. Campton Hills also hosts seasonal events that bring neighbors together, including the Boo After Dark Halloween event.

It always feels like a win when you find somewhere close to the city that still feels like it’s tucked away in the middle of nowhere. And Campton Hills’ rural character is something that truly makes it stand out. Unlike some suburbs that feel like extensions of the city, this village keeps the perfect balance of open countryside and convenient access to Chicago.

The story starts with safety. People are looking for a safe place with little to no crime. Their kids will be safe. It is away from the city and others places with crime.

But then the story goes on to include other factors that attract families to this specific suburb. The schools have a good reputation. There are parks and forest preserves. Medical care is nearby. The community comes together for events. It is close to Chicago but feels rural.

Is this how people chose a community to live in? Do they prioritize safety and then if other things look good, they go with that? Do they research all the statistics about various communities, look at rankings provided by numerous sources, and develop their own composite score of which community comes out on top?

I am reminded of research from sociologists Annette Lareau and Elliot Weininger where they find networks, affected by social class and race, mattered for how people chose communities. What networks lead to Campton Hills and other suburbs like it? How do relationships and social ties provide people with information about communities? Do articles like these make their way through some networks?

(Interestingly, Campton Hills is a new suburb: it was incorporated in 2007. And it is relatively small: just over 10,000 residents in the 2020 Census.)

Mortgage fraud rates very low – but on the rise?

With cases of mortgage fraud in the news, one source says it is rare:

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About 1 in 116 mortgage applications contained fraud in the second quarter of 2025, according to Cotality’s National Mortgage Application Fraud Risk Index.

The data shows the two riskiest investments for mortgage fraud are investment properties and multiunit properties.

This is less than 1%.

But the same source says mortgage fraud is on the rise:

“The increase in the fraud risk can partly be attributed to the volatility starting to be seen in the real estate market,” Matt Seguin, senior principal of mortgage fraud solutions, said in the Cotality report. “Interest rate cuts haven’t come at the rate expected over the last year, so purchase transactions, which, historically speaking, have higher fraud risk, continue to represent almost 70% of the applications seen by Cotality.”

Cotality analyzed data in six categories of mortgage fraud: identity, transaction, property, income, occupancy, and undisclosed real estate. The research found that every category except occupancy saw an increase in the second quarter.

The largest year-over-year increases were in undisclosed real estate debt and transaction fraud risk. Undisclosed real estate debt rose 12% this year, compared with a 5.9% decline year over year in 2024. Transaction fraud risk increased 6.2% this year, following a 4.9% increase last year.

Rare and relatively small increases in the last year.

Perhaps the problem of mortgage fraud would sound more serious if this 1 in 116 mortgages was connected to the cumulative money involved. Each mortgage is connected to a good amount of money. Add all the fraud up and how much money are we talking about? Is it enough money for financial institutions or the general public to pay attention to?

Another way to think about this would be to compare fraud rates here with fraud rates with other financial instruments. How about credit card debt? Auto loans? Home equity loans? And so on. Mortgage fraud is low but perhaps it is even lower than in other areas or higher than others.

Regardless of the numbers, absolute or otherwise, fraud is still fraud. But whether it is perceived as a social problem might take more than just reporting the numbers or putting them in context.

The populations of the “safest and wealthiest suburbs” in the US

A new list of high income and low crime suburbs has this top ten:

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  1. Western Springs, IL
  2. Lexington, MA
  3. Winchester, MA
  4. Whitefish Bay, WI
  5. Huntington Woods, MI
  6. Ottawa Hills, OH
  7. Winnetka, IL
  8. Kenilworth, IL
  9. University Park, MD
  10. Upper Arlington, OH

Here is how GOBankingRates.com developed the list:

GOBankingRates analyzed the top 1,000 cities by household mean income across the United States to find the safest and richest cities using data from the US Census American Community Survey, Bureau of Labor Statistics Consumer Expenditure Survey, Zillow Home Value Index, Federal Reserve Economic Data, AreaVibes, and the FBI. The property crime rate per 1,000 residents, violent crime rate per 1,000 residents, livability score, household mean income, and the average total cost of living were scored for each location and sorted to show the safest and richest cities. All data was collected on and is up to date as of August 4th, 2025.

Based on a recent post about the wealthy and large suburbs of the United States, including Naperville, Illinois, I was curious about the population size of the top ten communities. Here is their population according to Quick Facts:

  1. 13,600
  2. 34,400
  3. 22,900
  4. 13,700
  5. 6,300
  6. 4,500
  7. 12,100
  8. 2,400
  9. 2,400
  10. 35,300

Not all of these are small towns; some might even be considered small cities. All have household mean incomes of over $200,000.

Going further through the top 50 suburbs, few are really large. Naperville comes in at #49, the largest suburb by population on the list by far.

To make this list, a suburb does not have be small and exclusive. It can be slightly larger and exclusive. I wonder if this is due to using the household mean income rather than the median. The mean is more likely to be pulled up by a small number of really high earners while the median gets at the midpoint of the distribution.

Would Americans view cities differently if the current drop in violent crime continues?

Crime appears to be down in a number of American cities:

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Nineteen people were killed in Chicago last month, which is the fewest murders the Windy City has experienced during any April since 1962. In Baltimore, there were just five murders in April—the lowest number in any month since 1970. Three other major cities—Los Angeles, Philadelphia, and Detroit—recorded their fewest first-quarter homicides since the 1960s.

Criminologists tend to speak in caveats, with warning of reversion to the mean and admonitions to wait for better data, but even they must admit: These are some eye-catching numbers. “It’s really encouraging,” said John Roman, a crime researcher at the University of Chicago’s National Opinion Research Center. “It’s worth taking a moment and noting that we are approaching the numbers in most crime statistics we haven’t seen since the 1960s. In these cities, if you’re under 55, this is probably the safest moment you’ve ever lived in. That’s great, and it should be celebrated.”

The early 2025 crime decline builds off numbers from 2023 and 2024 and appears to include not just homicide but also robberies, rapes, burglaries, and auto theft. In many respects, we are returning to a pre-COVID world of public safety, with profound implications for residents of neighborhoods tormented by gun violence, the police who are supposed to solve the problem, and the politicians who love to campaign on the issue.

For decades, many Americans have associated big cities with crime. This can be in comparison to the settings in which they live – and a slight majority of the country is suburban – and can persist despite fluctuations in the actual crime rate.

But this is also connected to long-standing anti-urban sentiments. In a country that idealizes small-town life and where many love the suburbs, cities can look unappealing. Any reports on crime – whether crime is up or down – could feed into this broader narrative.

This goes beyond politicians trying to make political points by playing up particular issues cities face. How about the media and how it reports crime? How about the ways Americans perceive safety? How about police? And so on. There are facts about crime and perceptions about crime. For a long time, Americans have connected crime to cities. It might take a long downturn in crime for that connection to be broken.

Weird repeat occurrences in the Chicago suburbs: guns in cars at Naperville Topgolf, trucks hitting Long Grove covered bridge

Follow the news in the Chicago suburbs and it seems two stories come up pretty reliably.

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First, the Topgolf facility in Naperville now has had 22 gun arrests in the last two years:

For the third time in less than two weeks, police have made a firearm-related arrest in the Naperville Topgolf parking lot…

Coffey’s arrest brings the number of firearm-related arrests made outside the Naperville Topgolf since August 2023 to 22…

Officers were in the business’ parking lot in squad cars when one of them observed Coffey exiting a white Mercedes SUV while smoking what they believed to be cannabis, Krakow said. Officers exited their squads and approached on foot. Their investigation into the cannabis led to a search of Coffey’s vehicle.

Police’s search yielded a 9mm handgun that was recovered from a backpack, Krakow said.

How many more times will this happen? Naperville is a wealthy and high status suburb.

Second, a covered bridge in Long Grove keeps getting hit by trucks. It just happened again earlier this week:

Once again, a box truck became stuck under Long Grove’s iconic covered bridge early Monday morning, with the vehicle taking the brunt of the damage.

“The vast majority of the times this happens, it damages the vehicle,” Long Grove Assistant Village Manager Dana McCarthy said. “The bridge is made of heavy duty steel.”…

Though the bridge has certainly been hit well over 50 times since it reopened in 2020 after an extensive renovation, the village itself doesn’t keep count of the instances.

If this happened a few times, it could be a pattern in suburbs where these things tend not to happen. “Strange but true” stories from the suburbs that happen a few times.

But now people are paying attention – both of these occurrences are now “common” – and they keep happening. The media widely reports on the police work at Topgolf yet more arrests are made? There are plenty of warnings around the bridge about the height but trucks keep trying to drive through?

I assume the phenomena will end at some point but it is hard to know when.

    Searching through millions of paper records of guns, modern crime fighting, and large scale societies

    Key to identifying the man who shot at Donald Trump was a large set of paper records:

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    Bureau of Alcohol, Tobacco, Firearms and Explosives analysts at a facility in West Virginia search through millions of documents by hand every day to try to identify the provenance of guns used in crimes. Typically, the bureau takes around eight days to track a weapon, though for urgent traces that average falls to 24 hours…

    In an era of high-tech evidence gathering, including location data and a trove of evidence from cell phones and other electronic devices used by shooting suspects, ATF agents have to search through paper records to find a gun’s history.

    In some cases, those records have even been kept on microfiche or were held in shipping containers, sources told CNN, especially for some of the closed business records like in this case.

    The outdated records-keeping system stems from congressional laws that prohibit the ATF from creating searchable digital records, in part because gun rights groups for years have fanned fears that the ATF could create a database of firearm owners and that it could eventually lead to confiscation.

    But the urgent ATF trace Saturday proved indispensable in identifying the Pennsylvania shooter, giving authorities a key clue toward his identity in less than half an hour.

    On one hand, searching through paper records could appear to be inefficient in the third decade of the twenty-first century. In today’s large-scale societies and systems, the ability to quickly search and retrieve digital records is essential in numerous social and economic sectors.

    On the other hand, a large set of paper records is a reminder of the relatively recent shift humans have made to adjust to large populations, and in this case, specifically addressing crime. I recently read The Infernal Machine, a story about dynamite, anarchists at the turn of the twentieth century, and developing police efforts to address the threat of political violence. These changes included systems of records to identify suspects, such as having fingerprints or photos on file.

    More broadly, the development of databases and filing systems helped people and institutions keep up with the data they wanted to collect and access. To do fairly basic things in our current world, from getting a driver’s license to voting to accessing health care, requires large databases.

    Needing to study both facts and perceptions, NYC crime edition

    How do we put together data on crime and people’s perception of crime?

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    Emotional stories speak louder than facts, perhaps especially in a city as storied as New York. Writing of the city’s crime narratives during a much more dangerous era, Joan Didion wrote of observers’ “preference for broad strokes, for the distortion and flattening of character and the reduction of events to narrative” — in other words, the nearly universal desire to make stories out of feelings, and then believe them. And when people ask me if “New York is safe,” they don’t want to know about numbers. They’re asking about feelings.

    How people perceive crime, and how politicians represent it to the electorate, has less to do with data and more to do with vibes. In October, while fact-checking the claims of rising violent crime that drove many midterm campaigns, the Pew Research Center’s John Gramlich noted that “the public often tends to believe that crime is up, even when the data shows it is down.” Data from the DOJ’s Bureau of Justice Statistics shows that there’s no increase in violent crime across the board in the US, and yet for most years in the last three decades, the majority of America adults thought there was more crime nationally than the year before, even though the opposite was true. Indeed, over three-quarters of those polled in October by Politico/Morning Consult said they thought violent crime was rising nationally and 88 percent said it was increasing or remaining the same in their own communities.

    This is why sociologists and others need to study not just what is happening, the facts, and the real numbers. Perceptions also matter and may matter more so as they can drive emotions, behavior, and policies.

    This is clear consistently in the area of crime and violence where what people think is thinking may not match reality. For decades, particular perceptions about crime have influenced actions. See, for example, how it plays out in suburban settings. Instead of zooming out and looking at the big picture, certain narratives can prove powerful and persistent.

    Thus, presenting facts is not always an effective approach. In this particular case, what would be an effective narrative that would better match the figures?

    Address crime and violence in cities by “addressing extreme segregation by race, ethnicity, and income”

    Sociologist Patrick Sharkey suggests taking a long view of crime and violence in American cities:

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    To answer this question requires thinking less in terms of months and years, and more in terms of decades. It requires thinking less about specific neighborhoods and cities where violence is common, and more about larger metropolitan areas where inequality is extreme and the affluent live separated from the poor. And it requires thinking less about individual criminals and victims, and more about bigger social forces, including demographic shifts, changes in urban labor markets, and social policies implemented by states and the federal government. All told, nearly six decades of data on violence in Chicago’s neighborhoods point to an unmistakable conclusion: Producing a sustained reduction in violence may not be possible without addressing extreme, persistent segregation by race, ethnicity, and income…

    But we must also expand outward in time and space, and consider why American neighborhoods are vulnerable to violence. Zooming out can help reveal the truth about violence in our cities: This is a whole-society problem, not one isolated in the neighborhoods where it roars. Addressing it requires our whole society’s concern, investment, and attention, and that attention must be sustained well beyond the periods when gun violence is surging.

    This is a good example of a sociological approach. Look at deeper, underlying issues. Consider patterns and relationships across contexts and time. Analyze evidence across decades. Think about institutions, structures, and networks at multiple levels (neighborhood, city, nation). Examine multiple causal factors and how they interact with each other.

    Whether such a perspective is welcomed or utilized is another story. For many social issues in the United States, it is easier for the public to look for the one factor that many believe will address the concern. Or, it can be difficult to wrestle with longer histories and patterns that involve many. Some might ask if this is just academics making something more complex than it needs to be or they might want proof that a sociological perspective is helpful.

    I hope to explain something similar when teaching sociology, whether in Introduction to Sociology to Statistics to Urban Sociology. As Americans consider society, what does a sociological approach look like and bring to the table? At the least, it can help broaden perspectives beyond individualistic mindsets or ones that only highlight a few individual and social forces. At its best, it can be a lens that sheds light on how a large-scale society actually operates with institutions, structures, networks, and relationships shaping contexts and lives.

    Why might suburban leaders head up legal challenge to IL law ending cash bail?

    A lawsuit led by suburban officials challenges a new Illinois law in court:

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    When more than half of Illinois’ state’s attorneys go to court in Kankakee County next month in a last-ditch effort to block the controversial SAFE-T Act, the proceedings will have a distinctly suburban flavor.

    The offices of McHenry County State’s Attorney Patrick Kenneally and Will County State’s Attorney James Glasgow have been chosen to serve as lead counsel in a lawsuit they and 61 of their peers have filed seeking to have the massive criminal justice reform bill ruled unconstitutional…

    The state’s attorneys argue that violates several parts of the state constitution, including the Separation of Powers Clause by stripping judges of their full authority to detain defendants, set monetary bail and revoke bail. They also argue that a portion of the Act that gives police discretion to release defendants without bail on low-level offenses unlawfully takes that authority away from the courts…

    The state’s attorneys argue that violates several parts of the state constitution, including the Separation of Powers Clause by stripping judges of their full authority to detain defendants, set monetary bail and revoke bail. They also argue that a portion of the Act that gives police discretion to release defendants without bail on low-level offenses unlawfully takes that authority away from the courts.

    Suburban counties are not the only ones party to this lawsuit, but is it meaningful that they are leading the effort? A few general patterns scholars might point to:

    1. The image and ideology of suburbs suggests they are safe places relatively free of crime.
    2. Where does crime happen? It is viewed as a problem of cities and urban centers.
    3. The first two points are connected to long-term suburban patterns of exclusion by race/ethnicity and social class. Who commits crime? Not the typical suburbanite.
    4. Suburbs have a long history of fear of crime. And they act regularly in their suburban communities regarding crime, ranging from creating gated communities to supporting police efforts to choices about development and amenities.
    5. A suburban fear of crime is linked to particular political patterns and activity, including Nixon and the Republican Party’s “Southern strategy” to then-President Trump’s 2020 claim that the suburbs are under threat.

    Put these factors together and suburban leadership on this issue may be no surprise.

    Encyclopedia Brown’s Idaville sure has a lot of crime

    The kid’s book series involving boy detective Encyclopedia Brown includes this description of the town of Idaville, the setting for the stories and home to Leroy Brown and his family:

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    Idaville was like most seaside towns. It had lovely beaches, three movie theaters, and two delicatessens. It had churches, a synagogue, and four banks

    But, read enough of these cases and it all adds up to something: Idaville is not like most seaside towns as it has a lot of crime. Enough crime to fill 29 books with numerous cases in each. Crimes ranging from small violations to larger issues. Lots of different kinds of criminals.

    This is not an unusual perspective on crime. Television shows often have a similar message, particularly if they are long-running: crime is happening all of the time. This has the potential to change how viewers understand crime and locations. If you see a particular place associated with criminal activity over and over, how much of an impact does this have?

    Some of the other phrases in the intro to the cases provide further clues at how crime is perceived in Idaville and in these cases: “the forces of law and order were in control” and “the town’s war on crime.” Is this the normal experience of small towns or just how we often present mysteries and the work of police?