Humboldt, IL
Humboldt wildfire risk explained
USFS's Wildfire Risk to Communities model puts Humboldt at the 3rd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 291 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Humboldt at the 3rd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Humboldt's building exposure, zone by zone
Most of Humboldt's buildings (98.6% of 291) 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 Humboldt compares
Within Illinois, Humboldt ranks higher (18th percentile) than it does nationally (3rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Humboldt ranks 30,656 for wildfire risk (1 is highest) and 21,875 by building count (1 is largest). Within Illinois alone, it ranks 1,183 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
Humboldt's low rating (3rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Humboldt
With 98.6% of buildings rated Minimal exposure, Humboldt gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 291 counted buildings into the percentiles shown above for Humboldt. For more on what minimal exposure implies beyond Humboldt, see the exposure-zones guide.