Otterville, IL
Otterville, IL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Otterville at the 24th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 82 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 Otterville at the 24th percentile, close to its 24th-percentile risk score.
Where Otterville's buildings actually sit
Most of Otterville's buildings (75.6%) 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 Otterville ranks
Compare Otterville's two percentiles: 68th within Illinois, only 24th nationally — a gap of 45 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Otterville ranks 24,039 for wildfire risk (1 is highest) and 29,794 by building count (1 is largest). Within Illinois alone, it ranks 457 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Otterville and the insurance market
Otterville's moderate rating (24th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Otterville's 75.6% 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 Otterville's figures come from
Every one of the two percentiles behind Otterville's 24,039-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Otterville's dominant indirect exposure actually means, with real examples from across the dataset.