Cedarville, IL
Cedarville wildfire risk explained
USFS scores Cedarville at the 12th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 467 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cedarville's burn probability — fire likelihood with no building count factored in — sits at the 12th percentile nationally.
Where Cedarville's buildings actually sit
Cedarville rates 75.2% Minimal exposure against just 24.8% Direct and 0% Indirect — of 467 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Cedarville against the rest of the country
Within Illinois, Cedarville ranks higher (47th percentile) than it does nationally (12th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Cedarville ranks 27,632 for wildfire risk (1 is highest) and 17,936 by building count (1 is largest). Within Illinois alone, it ranks 761 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
Cedarville's low rating (12th 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
Cedarville's 75.2% 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.
Where Cedarville's figures come from
The methodology guide shows exactly how USFS turned 467 counted buildings into the percentiles shown above for Cedarville. The exposure-zones guide covers what Cedarville's dominant minimal exposure actually means, with real examples from across the dataset.