Elkville, IL
How exposed is Elkville to wildfire?
USFS scores Elkville at the 23rd national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 594 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Elkville's burn probability — fire likelihood with no building count factored in — sits at the 24th percentile nationally.
Where Elkville's buildings actually sit
Indirect exposure is dominant in Elkville (73.7% of 594 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 11.8% sit in the Direct zone.
Where Elkville ranks
Within Illinois, Elkville ranks higher (67th percentile) than it does nationally (23rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Elkville ranks 24,353 for wildfire risk (1 is highest) and 15,907 by building count (1 is largest). Within Illinois alone, it ranks 481 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
Elkville's moderate wildfire rating (23rd 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 ember exposure the dominant pattern in Elkville (73.7% 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
Elkville's 23rd-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 Elkville, see the exposure-zones guide.