Coffeen, IL
How exposed is Coffeen to wildfire?
Out of every US place USFS scores, Coffeen lands at the 35th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 481 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Coffeen's burn probability — fire likelihood with no building count factored in — sits at the 36th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Coffeen (86.1% of 481 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 13.9% sit in the Direct zone.
Where Coffeen ranks
Within Illinois, Coffeen ranks higher (87th percentile) than it does nationally (35th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Coffeen ranks 20,412 for wildfire risk (1 is highest) and 17,684 by building count (1 is largest). Within Illinois alone, it ranks 186 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
Coffeen's moderate wildfire rating (35th 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.
What would actually reduce this score
With ember exposure the dominant pattern in Coffeen (86.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Coffeen's 35th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Coffeen, see the exposure-zones guide.