Carlinville, IL
How exposed is Carlinville to wildfire?
USFS scores Carlinville at the 15th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 3,096 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Carlinville at the 15th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Carlinville's building exposure, zone by zone
Carlinville rates 91.1% Minimal exposure against just 8.8% Direct and 0.2% Indirect — of 3,096 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Carlinville against the rest of the country
Carlinville's 53rd-percentile standing inside Illinois outpaces its 15th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Carlinville ranks 26,842 for wildfire risk (1 is highest) and 5,293 by building count (1 is largest). Within Illinois alone, it ranks 681 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Carlinville and the insurance market
Carlinville's low wildfire rating (15th 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
Even with 91.1% of Carlinville 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
Every one of the two percentiles behind Carlinville's 26,842-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Carlinville, see the exposure-zones guide.