McLean, IL
McLean, IL's wildfire risk, in USFS's own numbers
USFS scores McLean at the 4th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 562 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, McLean's burn probability — fire likelihood with no building count factored in — sits at the 4th percentile nationally.
McLean's building exposure, zone by zone
McLean rates 96.3% Minimal exposure against just 3.4% Direct and 0.4% Indirect — of 562 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where McLean ranks
Compare McLean's two percentiles: 23rd within Illinois, only 4th nationally — a gap of 19 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, McLean ranks 30,372 for wildfire risk (1 is highest) and 16,370 by building count (1 is largest). Within Illinois alone, it ranks 1,117 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
McLean's low wildfire rating (4th 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
Even with 96.3% of McLean 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.
Where McLean's figures come from
McLean's 4th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what McLean's dominant minimal exposure actually means, with real examples from across the dataset.