Arcola, IL
How exposed is Arcola to wildfire?
USFS scores Arcola at the 0th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,542 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Arcola at the 0th percentile, close to its 0th-percentile risk score.
Arcola's building exposure, zone by zone
96.2% of Arcola's 1,542 buildings sit in USFS's Minimal exposure zone, with only 3.8% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Arcola ranks
Arcola scores 0th nationally and 3rd 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, Arcola ranks 31,444 for wildfire risk (1 is highest) and 8,977 by building count (1 is largest). Within Illinois alone, it ranks 1,404 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
Arcola's low wildfire rating (0th 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
Arcola's 96.2% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Arcola's 0th-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 Arcola, see the exposure-zones guide.