Catlin, IL
Catlin wildfire risk explained
Catlin sits at the 3rd 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 1,122 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Catlin's burn probability — fire likelihood with no building count factored in — sits at the 3rd percentile nationally.
Where Catlin's buildings actually sit
Only 18.9% of Catlin's 1,122 buildings carry Direct exposure and 0% carry Indirect; the remaining 81.1% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Catlin ranks
Catlin's 22nd-percentile standing inside Illinois outpaces its 3rd 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, Catlin ranks 30,436 for wildfire risk (1 is highest) and 11,136 by building count (1 is largest). Within Illinois alone, it ranks 1,124 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
Catlin's low rating (3rd 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
Even with 81.1% of Catlin 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
Catlin's 3rd-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 Catlin, see the exposure-zones guide.