Campbell's Island, IL
Campbell's Island wildfire risk explained
Campbell's Island sits at the 42nd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 279 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Campbell's Island's burn probability — fire likelihood with no building count factored in — sits at the 45th percentile nationally.
What "at risk" means for the buildings here
59.5% of Campbell's Island's 279 buildings sit in USFS's Minimal exposure zone, with only 40.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Campbell's Island against the rest of the country
Compare Campbell's Island's two percentiles: 94th within Illinois, only 42nd nationally — a gap of 52 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Campbell's Island ranks 18,367 for wildfire risk (1 is highest) and 22,214 by building count (1 is largest). Within Illinois alone, it ranks 88 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
Campbell's Island's elevated rating (42nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Campbell's Island's 59.5% 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
Campbell's Island's 42nd-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 Campbell's Island, see the exposure-zones guide.