Hull, IL
How exposed is Hull to wildfire?
Hull sits at the 18th 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 365 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 Hull at the 18th percentile, close to its 18th-percentile risk score.
Where Hull's buildings actually sit
Most of Hull's buildings (94% of 365) 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 Hull compares
Within Illinois, Hull ranks higher (58th percentile) than it does nationally (18th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Hull ranks 25,898 for wildfire risk (1 is highest) and 19,957 by building count (1 is largest). Within Illinois alone, it ranks 604 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
Hull's low wildfire rating (18th 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.
What would actually reduce this score
With 94% of buildings rated Minimal exposure, Hull gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Hull's figures come from
The methodology guide shows exactly how USFS turned 365 counted buildings into the percentiles shown above for Hull. The exposure-zones guide covers what Hull's dominant minimal exposure actually means, with real examples from across the dataset.