Marseilles, IL
How exposed is Marseilles to wildfire?
USFS's Wildfire Risk to Communities model puts Marseilles at the 40th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 2,910 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Marseilles at the 41st percentile, close to its 40th-percentile risk score.
Where Marseilles's buildings actually sit
Most of Marseilles's buildings (69.3%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Marseilles ranks
Marseilles's 92nd-percentile standing inside Illinois outpaces its 40th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Marseilles ranks 18,932 for wildfire risk (1 is highest) and 5,570 by building count (1 is largest). Within Illinois alone, it ranks 112 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
Marseilles's moderate wildfire rating (40th 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
Marseilles's 69.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Marseilles's figures come from
Every one of the two percentiles behind Marseilles's 18,932-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Marseilles's dominant indirect exposure actually means, with real examples from across the dataset.