Glencoe, IL
Glencoe wildfire risk explained
Glencoe sits at the 25th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 3,468 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Glencoe at the 29th percentile, close to its 25th-percentile risk score.
What "at risk" means for the buildings here
Glencoe rates 95.7% Minimal exposure against just 4.3% Direct and 0% Indirect — of 3,468 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Glencoe compares
Within Illinois, Glencoe ranks higher (72nd percentile) than it does nationally (25th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Glencoe ranks 23,598 for wildfire risk (1 is highest) and 4,814 by building count (1 is largest). Within Illinois alone, it ranks 413 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Glencoe and the insurance market
Glencoe's moderate wildfire rating (25th 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
Even with 95.7% of Glencoe 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
Every one of the two percentiles behind Glencoe's 23,598-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Glencoe, see the exposure-zones guide.