Shelbyville, IL
Shelbyville wildfire risk explained
Shelbyville sits at the 18th 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 3,136 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Shelbyville at the 18th percentile, close to its 18th-percentile risk score.
Where Shelbyville's buildings actually sit
Shelbyville rates 94.1% Minimal exposure against just 5.7% Direct and 0.2% Indirect — of 3,136 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Shelbyville against the rest of the country
Within Illinois, Shelbyville ranks higher (58th percentile) than it does nationally (18th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Shelbyville ranks 25,962 for wildfire risk (1 is highest) and 5,247 by building count (1 is largest). Within Illinois alone, it ranks 614 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Shelbyville and the insurance market
Shelbyville's low rating (18th 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
Shelbyville's 94.1% 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 Shelbyville's 25,962-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Shelbyville, see the exposure-zones guide.