Mount Carmel, IL
How exposed is Mount Carmel to wildfire?
USFS's Wildfire Risk to Communities model puts Mount Carmel at the 10th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 4,212 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 Mount Carmel at the 9th percentile, close to its 10th-percentile risk score.
Where Mount Carmel's buildings actually sit
Only 11.8% of Mount Carmel's 4,212 buildings carry Direct exposure and 2.5% carry Indirect; the remaining 85.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Mount Carmel against the rest of the country
Mount Carmel's 42nd-percentile standing inside Illinois outpaces its 10th 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, Mount Carmel ranks 28,515 for wildfire risk (1 is highest) and 4,046 by building count (1 is largest). Within Illinois alone, it ranks 844 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
Mount Carmel's low rating (10th 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
With 85.7% of buildings rated Minimal exposure, Mount Carmel gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Mount Carmel's figures come from
The methodology guide shows exactly how USFS turned 4,212 counted buildings into the percentiles shown above for Mount Carmel. The exposure-zones guide covers what Mount Carmel's dominant minimal exposure actually means, with real examples from across the dataset.