Mount Morris, IL
How exposed is Mount Morris to wildfire?
USFS's Wildfire Risk to Communities model puts Mount Morris at the 6th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,480 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Mount Morris's burn probability — fire likelihood with no building count factored in — sits at the 6th percentile nationally.
Where Mount Morris's buildings actually sit
USFS classifies 91.6% of Mount Morris's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 8.5% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Mount Morris compares
Compare Mount Morris's two percentiles: 33rd within Illinois, only 6th nationally — a gap of 27 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Mount Morris ranks 29,491 for wildfire risk (1 is highest) and 9,249 by building count (1 is largest). Within Illinois alone, it ranks 967 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Mount Morris and the insurance market
At the 6th national percentile, Mount Morris rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 91.6% of Mount Morris 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 Mount Morris's figures come from
The methodology guide shows exactly how USFS turned 1,480 counted buildings into the percentiles shown above for Mount Morris. The exposure-zones guide covers what Mount Morris's dominant minimal exposure actually means, with real examples from across the dataset.