Rutland, IL
Rutland, IL's wildfire risk, in USFS's own numbers
Rutland's 265 buildings earn a 0th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Rutland at the 1st percentile, close to its 0th-percentile risk score.
What "at risk" means for the buildings here
87.2% of Rutland's 265 buildings sit in USFS's Minimal exposure zone, with only 12.8% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Rutland compares
Rutland's risk sits at a similar level relative to Illinois (5th percentile statewide) as it does nationally (0th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Rutland ranks 31,392 for wildfire risk (1 is highest) and 22,662 by building count (1 is largest). Within Illinois alone, it ranks 1,383 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Rutland and the insurance market
Rutland's low wildfire rating (0th 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 87.2% of buildings rated Minimal exposure, Rutland gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Rutland's figures come from
The methodology guide shows exactly how USFS turned 265 counted buildings into the percentiles shown above for Rutland. The exposure-zones guide covers what Rutland's dominant minimal exposure actually means, with real examples from across the dataset.