Hurst, IL
How exposed is Hurst to wildfire?
USFS's Wildfire Risk to Communities model puts Hurst at the 26th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 519 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hurst at the 26th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Hurst's building exposure, zone by zone
82.3% of Hurst's 519 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 17.7% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Hurst ranks
Within Illinois, Hurst ranks higher (72nd percentile) than it does nationally (26th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Hurst ranks 23,470 for wildfire risk (1 is highest) and 17,035 by building count (1 is largest). Within Illinois alone, it ranks 405 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
Hurst's moderate wildfire rating (26th 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 ember exposure the dominant pattern in Hurst (82.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Hurst's figures come from
Every one of the two percentiles behind Hurst's 23,470-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hurst's dominant indirect exposure actually means, with real examples from across the dataset.