Elburn, IL
How exposed is Elburn to wildfire?
USFS scores Elburn at the 12th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 2,205 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Elburn's burn probability — fire likelihood with no building count factored in — sits at the 12th percentile nationally.
Where Elburn's buildings actually sit
Most of Elburn's buildings (92.2% of 2,205) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Elburn compares
Within Illinois, Elburn ranks higher (47th percentile) than it does nationally (12th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Elburn ranks 27,725 for wildfire risk (1 is highest) and 6,924 by building count (1 is largest). Within Illinois alone, it ranks 770 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Elburn
Elburn's low wildfire rating (12th 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.
Lowering exposure, not just insuring around it
With 92.2% of buildings rated Minimal exposure, Elburn gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Elburn's figures come from
Elburn's 12th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Elburn's dominant minimal exposure actually means, with real examples from across the dataset.