Spillertown, IL
How exposed is Spillertown to wildfire?
USFS scores Spillertown at the 42nd national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 142 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Spillertown's burn probability — fire likelihood with no building count factored in — sits at the 45th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 69% of Spillertown's buildings as Direct exposure, higher than its 31% Indirect share and far above its 0% Minimal share — a profile where 98 structures sit close enough to vegetation that lot clearing matters most.
Where Spillertown ranks
Within Illinois, Spillertown ranks higher (94th percentile) than it does nationally (42nd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Spillertown ranks 18,178 for wildfire risk (1 is highest) and 27,199 by building count (1 is largest). Within Illinois alone, it ranks 83 of 1,445 places by risk. See the full county-by-county picture for Illinois on its state page.
Spillertown and the insurance market
Spillertown's elevated wildfire rating (42nd 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
Spillertown's 69% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Spillertown's figures come from
Spillertown's 42nd-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 Spillertown's dominant direct exposure actually means, with real examples from across the dataset.