Coal City, IL
How exposed is Coal City to wildfire?
USFS's Wildfire Risk to Communities model puts Coal City at the 26th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 3,050 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Coal City's burn probability — fire likelihood with no building count factored in — sits at the 26th percentile nationally.
Where Coal City's buildings actually sit
Only 6.3% of Coal City's 3,050 buildings carry Direct exposure and 18.2% carry Indirect; the remaining 75.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Coal City compares
Within Illinois, Coal City ranks higher (73rd percentile) than it does nationally (26th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Coal City ranks 23,347 for wildfire risk (1 is highest) and 5,358 by building count (1 is largest). Within Illinois alone, it ranks 390 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
Coal City's moderate rating (26th 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 75.5% of Coal City 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 Coal City's 23,347-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Coal City, see the exposure-zones guide.