Cullom, IL
Cullom, IL's wildfire risk, in USFS's own numbers
Cullom sits at the 0th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 424 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cullom's burn probability — fire likelihood with no building count factored in — sits at the 0th percentile nationally.
Cullom's building exposure, zone by zone
96% of Cullom's 424 buildings sit in USFS's Minimal exposure zone, with only 4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Cullom compares
Cullom's risk sits at a similar level relative to Illinois (3rd percentile statewide) as it does nationally (0th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Cullom ranks 31,446 for wildfire risk (1 is highest) and 18,758 by building count (1 is largest). Within Illinois alone, it ranks 1,406 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Cullom and the insurance market
Cullom's low rating (0th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 96% of Cullom 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
Cullom's 0th-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 Cullom, see the exposure-zones guide.