Harvel, IL
How exposed is Harvel to wildfire?
USFS's Wildfire Risk to Communities model puts Harvel at the 0th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 188 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Harvel's burn probability — fire likelihood with no building count factored in — sits at the 0th percentile nationally.
Where Harvel's buildings actually sit
USFS classifies 89.4% of Harvel's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 10.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Harvel ranks
Harvel scores 0th nationally and 1st within Illinois — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Harvel ranks 31,513 for wildfire risk (1 is highest) and 25,311 by building count (1 is largest). Within Illinois alone, it ranks 1,439 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Harvel
Harvel's low wildfire rating (0th 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 89.4% of buildings rated Minimal exposure, Harvel gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Harvel's figures come from
Harvel's 0th-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 Harvel's dominant minimal exposure actually means, with real examples from across the dataset.