Marcelline, IL
Marcelline wildfire risk explained
Marcelline's 59 buildings earn a 12th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Marcelline at the 12th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Marcelline's building exposure, zone by zone
USFS classifies 98.3% of Marcelline's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 1.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Marcelline against the rest of the country
Compare Marcelline's two percentiles: 47th within Illinois, only 12th nationally — a gap of 35 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Marcelline ranks 27,664 for wildfire risk (1 is highest) and 30,673 by building count (1 is largest). Within Illinois alone, it ranks 765 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Marcelline
Marcelline's low wildfire rating (12th 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 98.3% of buildings rated Minimal exposure, Marcelline 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 59 counted buildings into the percentiles shown above for Marcelline. For more on what minimal exposure implies beyond Marcelline, see the exposure-zones guide.