Chapin, IL
Chapin wildfire risk explained
USFS's Wildfire Risk to Communities model puts Chapin at the 3rd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 386 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Chapin at the 3rd percentile, close to its 3rd-percentile risk score.
What "at risk" means for the buildings here
Chapin rates 94.3% Minimal exposure against just 5.7% Direct and 0% Indirect — of 386 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Chapin ranks
Within Illinois, Chapin ranks higher (22nd percentile) than it does nationally (3rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Chapin ranks 30,467 for wildfire risk (1 is highest) and 19,485 by building count (1 is largest). Within Illinois alone, it ranks 1,131 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Chapin
At the 3rd national percentile, Chapin rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Chapin's 94.3% 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
The methodology guide shows exactly how USFS turned 386 counted buildings into the percentiles shown above for Chapin. For more on what minimal exposure implies beyond Chapin, see the exposure-zones guide.