Bellmont, IL
Bellmont wildfire risk explained
Bellmont sits at the 2nd 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 223 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bellmont at the 2nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Bellmont's building exposure, zone by zone
Most of Bellmont's buildings (84.8% of 223) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Bellmont against the rest of the country
Bellmont's risk sits at a similar level relative to Illinois (13th percentile statewide) as it does nationally (2nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Bellmont ranks 31,002 for wildfire risk (1 is highest) and 24,007 by building count (1 is largest). Within Illinois alone, it ranks 1,255 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Bellmont and the insurance market
Bellmont's low wildfire rating (2nd 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
Bellmont's 84.8% 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
Every one of the two percentiles behind Bellmont's 31,002-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Bellmont, see the exposure-zones guide.