Bement, IL
How exposed is Bement to wildfire?
Out of every US place USFS scores, Bement lands at the 0th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 965 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bement at the 0th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Bement's building exposure, zone by zone
USFS classifies 92.8% of Bement's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 7.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Bement compares
Bement's risk sits at a similar level relative to Illinois (2nd percentile statewide) as it does nationally (0th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Bement ranks 31,478 for wildfire risk (1 is highest) and 12,184 by building count (1 is largest). Within Illinois alone, it ranks 1,421 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
Bement's low rating (0th 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 Bement
Even with 92.8% of Bement 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
The methodology guide shows exactly how USFS turned 965 counted buildings into the percentiles shown above for Bement. For more on what minimal exposure implies beyond Bement, see the exposure-zones guide.