Mount Carroll, IL
How exposed is Mount Carroll to wildfire?
Mount Carroll sits at the 10th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 1,213 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Mount Carroll's burn probability — fire likelihood with no building count factored in — sits at the 10th percentile nationally.
Mount Carroll's building exposure, zone by zone
Mount Carroll rates 89.7% Minimal exposure against just 10.3% Direct and 0% Indirect — of 1,213 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Mount Carroll compares
Within Illinois, Mount Carroll ranks higher (44th percentile) than it does nationally (10th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Mount Carroll ranks 28,293 for wildfire risk (1 is highest) and 10,577 by building count (1 is largest). Within Illinois alone, it ranks 813 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 Carroll'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.
Hardening a home in Mount Carroll
Mount Carroll's 89.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Mount Carroll's 28,293-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Mount Carroll, see the exposure-zones guide.