Creve Coeur, IL
How exposed is Creve Coeur to wildfire?
USFS scores Creve Coeur at the 21st national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 3,055 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Creve Coeur at the 21st percentile, close to its 21st-percentile risk score.
Where Creve Coeur's buildings actually sit
USFS classifies 83.5% of Creve Coeur's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 16.5% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Creve Coeur ranks
Creve Coeur's 63rd-percentile standing inside Illinois outpaces its 21st 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, Creve Coeur ranks 24,982 for wildfire risk (1 is highest) and 5,348 by building count (1 is largest). Within Illinois alone, it ranks 532 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
Creve Coeur's moderate wildfire rating (21st 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
Even with 83.5% of Creve Coeur 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
Creve Coeur's 21st-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 Creve Coeur, see the exposure-zones guide.