Pearl, IL
Pearl, IL's wildfire risk, in USFS's own numbers
Pearl's 137 buildings earn a 32nd-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Pearl at the 33rd percentile, close to its 32nd-percentile risk score.
Where Pearl's buildings actually sit
Direct exposure dominates in Pearl: 69.3% of its 137 buildings, versus 30.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Pearl compares
Pearl's 82nd-percentile standing inside Illinois outpaces its 32nd 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, Pearl ranks 21,486 for wildfire risk (1 is highest) and 27,395 by building count (1 is largest). Within Illinois alone, it ranks 260 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shopping for coverage in Pearl
Pearl's moderate wildfire rating (32nd 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
With 69.3% of Pearl in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Pearl's figures come from
Pearl's 32nd-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 Pearl's dominant direct exposure actually means, with real examples from across the dataset.