Hume, IL
Hume, IL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Hume lands at the 0th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 371 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hume at the 0th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Hume's buildings (91.9% of 371) 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 Hume compares
Hume scores 0th nationally and 0th 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, Hume ranks 31,514 for wildfire risk (1 is highest) and 19,834 by building count (1 is largest). Within Illinois alone, it ranks 1,440 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Hume and the insurance market
Hume's low rating (0th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 91.9% of Hume 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
Hume's 0th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Hume, see the exposure-zones guide.